have 37k currently sitting in my current account while I try decide what to do with it.
Even if you drip-feed a regular saver, you can only do it for a year
I've concluded it's not worth the hassle and just leave money in a Rabo account at 0.5% on the first €50k (0.3% after DIRT). In the current low inflation environment, think about security and forget about earning anything unless you are prepared to invest in risk assets.
For aib you can have 4 online regular savers and 4 offline regular savers , which you open from a branch.
I'm assuming your spouse can open 4 and 4 more, making them 16.
The more you spread the amounts between those 16 , the closer to 2% Apr you are getting , assuming they are not all full.
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