I checked with Rabo today, as there is still nothing on their website. I am assured that the first €10,000 in each account will get 4.75% and the balance 3.7%. Time to open accounts with 10k for each family member!
Cuchulainn, thanks for the note of caution! In fact I wanted to set aside an amount for each of my three adult children from my late mother's modest estate and no time like the present.
Not necessarily so - they could be considered to be holding the monies in trust for the beneficial owner of the monies ie the person who provided the funds