AIB 2.77% 2 Year Deposit Until 12 May

It's a really punitive T&C, especially over that term, which AIB would do well to look at.
Life and circumstances can change hugely over 2 years, with an "expanding funnel of doubt"... the risk of being left high and dry must be weighed against a reward of 3.5% in two years before price inflation (net, assuming PRSI liable).
If you're committed to deposits you could even go for a 3 year State Savings Bond paying 4% net in 3 years, with the option to withdraw on demand at any point (albeit foregoing interest).
I find it hard to sign up for the 2 year fixed term except for balances which I know I'll want to be holding as an absolute minimum in 2 years, come what may.
 
ClubMan said:
Fixed term accounts with no access during the term are not unusual
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Can you point me towards another domestically regulated, DIRT-liable Irish bank offering >1 year deposits with zero access except death or bankruptcy?
As opposed to online-only passported entities appealing to people sophisticated enough to declare deposit interest gross of DIRT.
 
blackdog said:
Can you point me towards another domestically regulated, DIRT-liable Irish bank offering >1 year deposits with zero access except death or bankruptcy?
As opposed to online-only passported entities appealing to people sophisticated enough to declare deposit interest gross of DIRT.
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No, I'm sure that you can survey the deposit market yourself.
 
blackdog said:
As opposed to online-only passported entities appealing to people sophisticated enough to declare deposit interest gross of DIRT
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Congratulations, having posted successfully on AAM (as well as figuring out how to quote a previous post), you have demonstrated the necessary skills required to declare DIRT successfully!
 
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