Best Buy Instant Access & Notice Deposit Accounts

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Rates are frequently updated. Information last changed: 11 November 2020.

Highest Variable Rate


€1+ - NTMA: State Savings: Deposit Account - 0.15%

Selected Instant Access & Notice Variable Rate Accounts

NTMA: State Savings: Deposit Account
0.15%
on €1+
  • Access: Instant access.
  • Interest paid: Annually.
  • No online access provided.
  • This State Savings account is subject to normal DIRT.
  • Deposit Protection: Unlimited via Irish government guarantee.

Ulster Bank: Private Reserve
0.01% on €0.01 to €15,000
0.15% less €432+* fees per year on €15,000+
  • Access: Instant access.
  • Interest paid: Monthly.
  • NB: You must also open a Private Current Account or a Private Ufirst Current account which will incur fees of *€36 per month for a Private Current Account or €50 per month with a Private Ufirst Current account.
  • This product is aimed at high wealth individuals. You may need to prove your wealth level before opening an account.
  • This product provides access to a relationship manager and other benefits.
  • This product is not available for branch opening, account must be opened via Ulster Bank headquarters.
  • Given the fees involved, and given the fact that there is no cap to above rate, this account may be best suited to those that have a very large deposit to place.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Ulster Bank: Loyalty Saver
0.01%
on €0.01 to €2,000
0.05% on €2,000 to €25,000 excluding bonus.
0.10%* on €2,000 to €25,000 including bonus.
0.05% on €25,000 to €1,000,000 excluding bonus.
0.10%* on €25,000 to €1,000,000 including bonus.
  • Access: Instant access.
  • Interest paid: Annually each January.
  • *Rate above includes a bonus. This bonus is only paid if you make no more than 4 withdrawals in an annual period.
  • If you close your account at any stage during the year the bonus interest will not be paid.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 365 31-Day Notice Account
0.03%
on €5,000 to €1,000,000
  • Access: 31 days notice required for withdrawals.
  • Online and by phone only.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 31 Day Set Notice Account
0.03%
on €5,000 to €1,000,000
  • Access: 31 days notice required for withdrawals.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Booster Bonus Account
0.01%
on €0.01+ excluding bonus.
0.02%** on €0.01+ including bonus*.
  • Access: Instant access.
  • *Bonus is only paid if you make no more than 2 withdrawals per calendar year (1 January to 31 December inclusive).
  • **Bonus rate of 0.01% applies from 1 January 2021.
  • Interest paid: 31 December or next business day.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online Instant Access Account
0.01%
on €0.01+
  • Access: Instant access.
  • Interest paid: Annually on first working day after 20 November.
  • Online only.
  • Joint accounts not allowed.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Smart Access Demand Account
0.01%
on €3,000 to €100,000
0.01% on €100,000+ on the entire balance*
  • Access: Instant access.
  • Interest paid: Annually in December.
  • *Once the account balance (including interest added) exceeds €100,000 the entire balance will earn interest at the KBC Standard Demand Deposit Account interest rate as per the rate above.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Standard Demand Deposit Account
0.01%
on €0.01+
  • Access: Instant access.
  • Interest paid: Twice annually.
  • Minimum account opening balance €3,000.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Broker Deposits: 30 Day Notice
0.01%
on €10,000+
  • Access: 30 days notice required for withdrawals.
  • Interest paid: Annually with monthly interest option available on request.
  • Not available for branch opening, account must be opened through a broker.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online 40 Day Notice Account
0.01%
on €0.01+
  • Access: 40 days notice required for withdrawals.
  • Interest paid: Annually on first working day after 20 November.
  • Online only.
  • Joint accounts not allowed.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: 40 Day Notice Savings Account
0.01%
on €0.01+
  • Access: 40 days notice required for withdrawals.
  • Interest paid: Annually on first working day after 20 November.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Revolut: Vaults
0.00%
on €0.01+
  • Access: Instant access.
  • App online access only.
  • Ability to open multiple savings accounts. Each savings account can be labelled with a purpose in mind. For example, holidays etc.
  • Feature that enables rounding up of purchases where the rounded up difference goes into a savings account.
  • Deposit Protection: None currently.

N26: Spaces
0.00%
on €0.01+
  • Access: Instant access.
  • Online only.
  • Ability to open multiple savings accounts (2-10 depending on the current account product). Each savings account can be labelled with a purpose in mind. For example, holidays etc.
  • Deposit Protection: €100,000 via German deposit protection.

AIB: Online Notice Deposit 7
0.00%*
on €0.01 to €1,000,000
  • *Rate applies from 12 January 2021.
  • Access: 7 days notice required for withdrawals.
  • Interest paid: Bi-annually in April and October.
  • Online only.
  • Customers must already have an AIB account and be registered for phone and internet banking.
  • One withdrawal per notice and at most one notice pending at any time.
  • Lodgements/withdrawals can only be made from another AIB account. Therefore, customer must keep another AIB account open.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Notes:

Deposit Protection Schemes:

Further Information:
  • 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.
  • All rates are AER and are stated before deduction of Deposit Interest Retention Tax (DIRT).
  • Post updates / suggestions in the deposits and savings forum.
  • If you want to save on a regular basis, you should also consider regular saver accounts, some of which offer higher rates, than some of the instant access accounts above.
  • There are other best buy threads for term deposits, regular saver accounts and current accounts.
  • Most credit unions pay very low rates on deposits and shares, but some pay good rates. It might be worth your while investigating the rate offered by your local credit union.
Rate and Product Updates:
  • If you want email updates on instant access and notice account rate changes, you can subscribe to this thread.
 
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Top post updated.

KBC have removed their Smart Move Online Demand Account and Smart Move Online Demand account for sale to new customers effective 18 December 2020.
 
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