Euro Lump Sum Instant Access & Notice Deposit Products Available for Irish Residents - 10 Categories:
Last Updated: 25 September 2026
Current ECB Deposit Rate: 2.50%
1. Lump Sum Instant Access & Notice Savings Products:
2. Lump Sum Instant Access Savings & Notice Products:
3. Lump Sum Instant Access Savings & Notice Products:
4. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
5. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
6. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
7. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
8. Lump Sum Instant Access & Notice Deposits:
9. Lump Sum Instant Access & Notice Deposits:
10. Lump Sum Instant Access & Notice Deposits - Credit Union Savings Accounts:
Last Updated: 25 September 2026
Current ECB Deposit Rate: 2.50%
1. Lump Sum Instant Access & Notice Savings Products:
- Excluding Products with Fees
- Excluding Promotional Rates
- Excluding Pure MMF Products
- Excluding Points & Prize Products
- 0.75% AER+
| # | Provider | Rate (AER) Pre-Tax | Type | Min/Max | Fees | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Trade Republic | 3.04% (new customer rate); 2.50%* (rate for most existing customers) | Instant | €1/€50,000 | None | 100k (Germany) | Paid gross; Self-declare to Revenue | Opt-in required to get paid interest; *From 16 September 2026 |
| 2 | Trading212 | 2.80% (Standard rate for customers registered under FX Flat including new customers); 2.50% (customers registered under Cyprus entity); 2.30% (customers registered under UK entity) | Instant | €1/None | None | 90% of the first 20k (German Investor Protection) if registered under FX Flat Bank; 20k (Cyprus Investor Protection) if registered under T212 Markets; 100k protected per bank per person with the portion of your deposit held at the partner bank; No market volatility protection with QMMF portion. | Paid gross; Self-declare to Revenue | Deposit is placed with partner banks and in QMMF. Promo of 4.20% paid for the first 4 months. |
| 3 | FCM Bank: Top Saver Pro | 2.68% (Up to 10k); 2.28% (10k to 25k); 1.78% (25k+) | Instant | €2,000(initial)/None | None | 100k (Malta) | Paid gross; Self-declare to Revenue | Lower rates after 10k |
| 4 | BluOR via Raisin.ie | 2.40% | Instant | €1/€100,000 | None | 100k (Latvia) | Latvian tax applied; Reduce via residency form; Self-declare gross and reduced tax already paid to Revenue | |
| 5 | BancaCF+ via Raisin.ie | 2.32% | Notice (7 days) | €1/€100,000 | None | 100k (Italy) | Paid gross; Self-declare to Revenue | |
| 6 | SimplySave via Raisin.ie (CitiBank Europe German Branch) | 2.31% | Instant | €1/€100,000 | None | 100k (Ireland) | Paid gross; Self-declare to Revenue | |
| 7 | FCM Bank via Raisin.ie | 2.28% | Notice (7 days)7 | €1/€100,000 | None | 100k (Malta) | Paid gross; Self-declare to Revenue | |
| 8 | IKB Deutsche Industriebank AG via Raisin.ie | 2.27% | Instant | €1/€100,000 | None | 100k (Germany) | Paid gross; Self-declare to Revenue | |
| =8 | Avarda Bank via Raisin.ie | 2.27% | Instant | €1/€100,000 | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| 10 | IG.com Ireland | 2.25% (up to 20k) | Instant | €1/None | None | 90% of first 20k (German; investor protection) | Paid gross; Self-declare to Revenue | Each month to earn interest must hold an open position(s) or have executed a trade(s) with an initial cumulative value of at least €2,000 |
| 11 | Resurs via Raisin.ie | 2.24% | Instant | €1/€100,000 | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| =11 | Nordax via Raisin.ie | 2.24% | Instant | €1/€100,000 | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| 13 | Collector Bank via Raisin.ie | 2.22% | Instant | €1/€100,000 | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| =13 | Klarna (Direct) | 2.22% | Instant | €1/€100,000 | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| 15 | MoCo | 2.10% (Standard rate) | Instant | €1/None | None | 100k (Austria) | DIRT deducted at source (33%) | |
| 16 | Morrow Bank via Raisin.ie | 2.07% | Instant | €1/€100,000 | None | 100k (Norway) | Paid gross; Self-declare to Revenue | |
| 17 | FCM: Top Saver | 2.03% over 50k; 1.33% below 50k | Instant | €1/None | None | 100k (Malta) | Paid gross; Self-declare to Revenue | |
| =17 | Klarna via Raisin.ie | 2.03% | Instant | €1/€100k | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| 19 | Northmill Bank via Raisin.ie | 2.02% | Instant | €1/None | None | SEK 1,150k (Sweden; approx. 100k EUR) | Paid gross; Self-declare to Revenue | |
| =19 | EuroExtra via Raisin.ie (Deutsche Bank) | 2.02% | Instant | €1/€1,000,000 | None | 100k (Germany) | Paid gross; Self-declare to Revenue | |
| 21 | Revolut: Instant Access Savings | 2.00% up to 2.5k; 1% above 2.5k (standard rate) | Instant | €1/None | None | 100k (Lithuania) | DIRT deducted at source (33%) | 2.00% applies to the first 2.5k in aggregate across all open savings accounts |
| =21 | Monzo | 2.00% | Instant | €1/None | None | 100k (Ireland) | DIRT deducted at source (33%) | |
| 23 | Izola via Raisin.ie | 1.91% | Notice (7 days) | €1/€100,000 | None | 100k (Malta) | Paid gross; Self-declare to Revenue | |
| 24 | Carrefour Bank via Raisin.ie | 1.76% | Instant | €1/€100,000 | None | 100k (France) | Paid gross; Self-declare to Revenue | |
| 25 | Interactive Brokers | 0.00% up to 10k; "Benchmark" (BM) minus 0.50% (approx. 1.71%) up to 100k on sliding scale*; BM minus 0.50% over 100k* | Instant | €1/None | None | 90% of the first 20k (Ireland; investor protection) | Paid gross; Self-declare to Revenue | *Zero continues to apply to first 10k. Sliding scale indicates that rates gradually increase from 10k-100k |
| 26 | Alisa Bank via Raisin.ie | 1.51% | Instant | €1/None | None | 100k (Finland) | Paid gross; Self-declare to Revenue | |
| =26 | Bunq | 1.51% (standard rate) | Instant | €1/€100,000 | None | 100k (Netherlands) | Paid gross; Self-declare to Revenue | Bonus rate of 3.01% applies to savings that surpass your highest savings balance of the previous half year. Limited to 2 withdrawals per month. |
| =26 | Advanzia | 1.51% (standard rate) | Instant | €5,000 (initial)/€100,000 | None | 100k (Luxembourg) | Paid gross; Self-declare to Revenue | Promo of 3.45% for the first 3 months |
| 29 | iFast Bank | 1.50% | Instant | €1/None | None | GBP 120k (UK); Approx. 140k EUR | Paid gross; Self-declare to Revenue | |
| =29 | Easisave | 1.50% | Instant | €1/None | None | 100k (Malta) | Paid gross; Self-declare to Revenue | |
| =29 | HSBC via BCP.ie | 1.50% | Notice (7 days) | €75,000/None | None | None | Paid gross; Self-declare to Revenue | |
| 32 | NTMA: State Savings: Deposit Account | 1.25% | Instant | €1/None | None | Unlimited (Ireland) | DIRT deducted at source (33%) | |
| =32 | PTSB: 32 Day Notice Account / Online 32 Day Notice Account | 1.25% | 32 Days Notice | €1/None | None | 100k (Ireland) | DIRT deducted at source (33%) | |
| 34 | Wise.com: 'Cashback' | 1.00% | Instant | €1/None | None | 20k (Belgium; Investor Protection) | Belgian tax applied at source; Self-declare to Revenue + Seek Rebate from Belgian tax authorities | |
| =34 | Bank of Ireland: 31 Day Notice Account | 1.00% | Notice (31 days) | €1/€100,000 | None; but current account fees apply if you want online access to your account | 100k (Ireland) | DIRT deducted at source (33%) | |
| =34 | XTB | 1.00% (standard rate) | Instant | €1/None | None | 20k (Cyprus; Investor Protection) | Paid gross; Self-declare to Revenue | |
| 37 | AIB: Online Notice 7 | 0.75% | Notice (7 days) | €1/€1,000,000 | None; Account must be feed from Demand (no fees) or Current account (often fees). | 100k (Ireland) | DIRT deducted at source (33%) |
2. Lump Sum Instant Access Savings & Notice Products:
- Promo Rates only
- Excluding MMF Products
- Top 5 highest promo rates
| # | Provider | Promo Rate (AER) Pre-Tax | Type | Min/Max | Fees | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Trading212 | 4.20% (intro; 4 months) | Instant | €1/None | None | 90% of the first 20k (German Investor Protection) if registered under FX Flat Bank; 20k (Cyprus Investor Protection) if registered under T212 Markets; 100k protected per bank per person with the portion of your deposit held at the partner bank; No market volatility protection with QMMF portion. | Paid gross; Self-declare to Revenue | Deposit is placed with partner banks and in QMMF. |
| 2 | Advanzia | 3.45% (intro; 3 months) | Instant | €5,000(initial)/€100,000 | None | 100k (Luxembourg) | Paid gross; Self-declare to Revenue | 3.45% for New Accounts Only; Rate after 3 months is 1.51%; Sometimes Advanzia offer promo rate extensions |
| 3 | Raisin Bank: Starter Account | 3.10% (intro; 3 months) | Instant | €1/€100,000 | None | 100k (Germany) | Paid gross; Self-declare to Revenue | New Customers Only; Term ends after 3 months |
| 4 | Bunq | 3.01% (savings that surpass your highest savings balance of the previous half year). | Instant | €1/€100,000 | None | 100k (Netherlands) | Paid gross; Self-declare to Revenue | Limited to 2 withdrawals per month. |
| 5 | XTB | 2.50% (first 90 days after opening) | Instant | €1/None | None | 20k (Cyprus; investor protection) | Paid gross; Self-declare to Revenue | 0.90% after 90 days |
3. Lump Sum Instant Access Savings & Notice Products:
- Products that require plan/subscription fees
- Excluding MMF Products
- Top 5 highest rates
| # | Provider | Rate (AER) Pre-Tax | Type | Min/Max | Plan Fees per month | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Klarna: Max | 2.70% | Instant | €1/None | €44.99/month | SEK 1,150k (Sweden; approx. 100k EUR) | Paid Gross; Self-declare to Revenue | |
| 2 | Revolut: Ultra | 2.50% up to 100k; 2.00% over 100k | Instant | €1/None | €55/month | 100k (Lithuania) | DIRT deducted at source (33%) | Plan fees less if paid annually; |
| 3 | Klarna: Premium | 2.40% | Instant | €1/None | €17.99/month | SEK 1,150k (Sweden; approx. 100k EUR) | Paid Gross; Self-declare to Revenue | |
| 4 | Revolut: Metal | 2.25% up to 100k | Instant | €1/None | €15.99/month | 100k (Lithuania) | DIRT deducted at source (33%) | Plan fees less if paid annually |
| 5 | Klarna: Plus | 2.30% | Instant | €1/None | €7.99/month | SEK 1,150k (Sweden; approx. 100k EUR) | Paid Gross; Self-declare to Revenue |
4. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
- MMF products that are available to purchase via a broker
- Excluding MMF Cash Sweep products that are re-sold by brokers
- 5 commonly cited European MMF
| # | Fund | Yield After TER (Total Expense Ratio) pre-tax | Liquidity | Min/Max | Plan fees per month | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Xtrackers II EUR Overnight Rate Swap ( LU0290358497; XEON ) | ~2.41% (0.10% TER). | Approx. 1 business day | €1/None | N/A | N/A (Investor protection via broker may apply) | Self-declare to Revenue; Deemed Disposal tax may apply | Tracks Solactive €STR + 8.5 basis points; Can be purchased via brokers such as Trading212 etc |
| 2 | Vanguard EUR Cash ( IE00SOORXS0 ) | ~2.36% (0.07% TER) | Approx. 1 business day | €1/None | N/A | N/A (Investor protection via broker may apply) | Self-declare to Revenue; Deemed Disposal tax may apply | Tracks the Deutsche Börse Euro Gov. Cash 0-1 Year Index. can be purchased via brokers such as Trading212 etc |
| 3 | BlackRock ICS Euro Liquidity ( IE00B3DKX911 ) | ~2.33% to 2.38% (0.10% TER for core retail class) | Approx. 1 business day | €1/None | N/A | N/A (Investor protection via broker may apply) | Self-declare to Revenue; Deemed Disposal tax may apply | MMF targeting overnight Euro deposits. Can be purchased via brokers such as Trading212 etc |
| =3 | Amundi Smart Overnight Return ( LU1190417599 ) | ~2.33% (0.10% TER). | Approx. 1 business day | €1/None | N/A | N/A (Investor protection via broker may apply) | Self-declare to Revenue; 38% tax may apply | Tracks €STR exactly via swap replication. Can be purchased via brokers such as Trading212 etc |
| =3 | iShares € Cash UCITS ETF ( IE00JJPY166 ) | ~2.33% (0.10% TER). | Approx. 1 business day | €1/None | N/A | N/A (Investor protection via broker may apply) | Self-declare to Revenue; Deemed Disposal tax may apply | Physical holdings of ultra-short Euro corporate/bank debt. Can be purchased via brokers such as Trading212 etc |
5. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
- MMF Cash Sweep products that are re-sold by brokers
- Excluding MMF promo rates
- Excluding MMF products that require plan fees
- Top 5 highest rates
| # | Broker; Broker Plan; MMF Managed By | Yield after fund fees & broker fees pre-tax | Type | Min/Max | Plan fees per month | Investor Protection (Not capital protection) | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Lightyear; Standard Plan; JP Morgan MMF (LU2599140782) | 2.26% (~2.44% - 0.20% broker fees = 2.24%; 2.26% when compounded) | Instant | €1/None | None | 20k (Estonia) | Paid Gross; Self-declare to Revenue; 38% tax may apply to monthly interest | |
| 2 | Mintos; Standard Plan; Blackrock MMF (IE000GWTNRJ7) | 2.32% (2.60% - 0.10% fund fees - 0.19% Mintos fee) | Instant | €1/None | None | 20k (Latvia) | Paid Gross; Self-declare to Revenue; 38% tax may apply to monthly interest | |
| 3 | Wealthood; Basic Plan; Blackrock MMF | 2.30% (After 0.10% broker fee and after fund fees) | Instant | €1/None | None | 30k (Greece) | Paid Gross; Self-declare to Revenue; 38% tax may apply to monthly interest | |
| 4 | Wise.com: Interest; Standard Plan; JP Morgan MMF ( LU2757993600 ) | ~2.01% (after 0.29% fee) | Instant | €1/None | None | 20k (Estonia) | Paid Gross; Self-declare to Revenue; 38% tax may apply to daily interest | |
| 5 | Revolut; Standard Plan; Fidelity MMF ( IE000AZVL3K0 ) | ~2.01% (0.50% fee) | Instant | €1/None | None | 22k (Lithuania) | Auto deducted daily (38% applied to gross pre-fees) |
6. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
- MMF Cash Sweep promo rates only
| # | Broker; Broker Plan; MMF Managed By | Yield after fund fees & broker fees pre-tax | Type | Min/Max | Plan fees per month | Investor Protection (Not capital protection) | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Robinhood; Standard Plan; JP Morgan MMF (LU2599140782) | 5.00% (Promo; ~2.23% - 0.50% broker fees + ~2.27% Robinhood "contribution") | Instant | €1/None | None | 22k (Lithuanian) | Paid Gross; Self-declare to Revenue; 38% tax may apply to monthly interest; | No named expiry date of this offer but this is effectively a promo |
| 2 | Vivid Money; All plans; Blackrock/GS MMF | 3% (Promo; first 2 months) | Instant | €1/None | None - €7.90/month | 20k (Netherlands) | Paid Gross; Self-declare to Revenue; 38% tax may apply to interest; |
7. Lump Sum Instant Access & Notice Deposits - Money Market Fund (MMF) Products:
- MMF Cash Sweep products that are re-sold by brokers that require plan fees
- Top 5 highest rates
| # | Broker; Broker Plan; MMF Managed By; | Yield after fund fees & broker fees pre-tax | Type | Min/Max | Plan fees per month | Investor Protection (Not capital protection) | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Revolut; Ultra Plan; Fidelity MMF ( IE000AZVL3K0 ) | ~2.57% (after 0.02% fee) | Instant | €1/None | €55/month | 22k (Lithuanian) | Paid Gross; Self-declare to Revenue; 38% tax may apply to daily interest | |
| 2 | N26; Metal Plan; Fidelity MMF | 2.49% | Instant | €1/None | €16.90/month | 90% of the first 20k (Germany) | Paid Gross; Self-declare to Revenue; 38% tax may apply to monthly interest | |
| 3 | Revolut; Metal Plan; Fidelity MMF ( IE000AZVL3K0 ) | ~2.44% (after 0.15% fee) | Instant | €1/None | €15.99/month | 22k (Lithuanian) | Paid Gross; Self-declare to Revenue; 38% tax may apply to daily interest | |
| 4 | Plum; Premium Plan; Blackrock MMF | 2.17% | Instant | €1/None | €9.99/month | 20k (Estonia) | Paid Gross; Self-declare to Revenue; 38% tax may apply to daily interest | |
| 5 | Wealthood; Gold Plan; Blackrock MMF | 2.17% | Instant | €1/None | €12.99/month | 30k (Greece) | Paid Gross; Self-declare to Revenue; 38% tax may apply to interest |
8. Lump Sum Instant Access & Notice Deposits:
- Products where Return is via Points
| # | Provider | Rate (AER) Pre-Tax | Type | Min/Max | Plan fees per month | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Revolut: Pocket Points | 0.00% | Instant | €1/None | 0 - €44.99/month | 100k (Lithuania) | None deducted | Point benefits are detailed in this thread. |
9. Lump Sum Instant Access & Notice Deposits:
- Products where Return is via potential prizes
| # | Provider | Rate (AER) Pre-Tax | Type | Min/Max | Plan fees per month | Protection | Tax | Key Notes |
|---|---|---|---|---|---|---|---|---|
| 1 | Prize Bonds | 1.50% (average statistical yield*) | Instant | €1/None | None | Unlimited via state guarantee | None | *When you strip out large prizes, the average statistical yield drops significantly |
10. Lump Sum Instant Access & Notice Deposits - Credit Union Savings Accounts:
- There are approximately 175 Credit Unions in Ireland. While their interest rates typically trail behind those offered by major banks and brokers, some Credit Unions offer annual dividends on savings. Though these dividends also tend to be lower than the returns from high-yielding bank accounts, exceptional products do occasionally pop up. Because rates and perks vary by branch, and product, it may be worth checking with your local or industry-specific Credit Union to see their current offerings.
- Instant access and notice account rates and products change frequently. Ensure you regularly check your rate to ensure you are getting the best return for your money.
- Post updates / suggestions in the deposits and savings forum.
- There are other best buy threads for term deposits and regular saver accounts.
- If you want email updates on instant access and notice account rate changes, you can subscribe to this thread.
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