Chargeable person due to State Savings and bank deposit interest?

I have asked this before in various forums on AAM and nobody seemed sure. So I'll ask it again well in advance of the 31st October to avoid getting into a panic.

I am a PAYE worker with savings in Irish banks, NTMA State Savings (An Post) and prizebonds. Apart from my salary and the money earned by the savings I have no other income - no rental income, no dividends, no consultancy income, no offshore bank accounts.

For 2014 my income from savings was as follows:

Deposit accounts in Irish banks:
Income approx 1200 euro minus DIRT

Issues 1-3 of the An Post National Solidarity bond:
Income approx 1200 euro minus DIRT

Maturing An Post Saving certificates and Bonds:
Income approx 5200 euro. No DIRT or any other tax on this

Prizebond wins:
Income approx 2400 euro. No DIRT or any other tax on this

Would some nice person be able to answer if the earnings above put me over the 3174 euro threshold for being a chargeable person resulting in having to file a Form 11 return for 2014.

In other words, does income from savings certs and savings bonds and prizebond wins count towards the 3174 euro threshold - even though no tax is due on income from savings certs/savings bond/prizebonds.

If I am a chargeable person I presume I will be paying 4% PRSI just on the 2400 above (1200 + 1200)

If I am contacting Revenue for clarification prior to October is there a particular office or dept that I should try to get through to.

Many thanks.

I am just bumping this to see if anyone has any further thoughts. The amount of PRSI that I potentially owe is only in the region of 100 euro which naturally is not a big deal. In the future I'll potentially owe even less as I have been increasing the proportion of my money that I have in PRSI and tax-free state saving products.

However I'm trying to avoid being a chargeable person /Form 11 returner if possible. Don't want the hassle and if I make a return one year, as far as I know it'll need to be done every year after that.

I have looked at everything I can find on the web on PRSI, deposit interest and chargeable person definitions - mostly accountant websites and Revenue documents. Haven't come up with an answer.

According to the Form 12 -

An individual with assessable non-PAYE income (including income subject to DIRT) of €3,174 or more for any year is regarded as a "chargeable person" for Self-Assessment and must file a Form 11 for that year.

Click to expand...

Therefore you don't have assessable income of €3,174 or more so Form 12 is ok.

Many thanks for that, Joe_90. It seems very likely that DIRT free State Savings income would not be regarded as "assessable".