The Halifax Flexisaver may be what you are after:
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It says 4% interest, can anyone confirm if this is the correct current rate?
Have a look at AIB's Parent Saver plan, might suit you. You can vary the amount you put in each month if you need to, and a good interest rate for the year on the monthly payments. Most banks have a Regular Saver account that you can get instant access to, just a matter of finding one with the best interest rate. You just have to agree to put something in each month, even if it's just one euro on a bad month!
I thought it was 7.3% ?Anglo Irish have the regular savers product market leading rate at 7.35%. There are no withdrawals allowed for the first 6 months.
Bank of Ireland easysaver, pays 7%
min contribution €20 per month
4 withdrawals allowed per annum
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EBS have a new Family Saver account - a regular direct debit each month is required and the interest rate is fixed for a year at 5.1%. Two withdrawals are allowed - one at any time and the other at 12 months. The 5.1% is paid upto the withdrawal date. Some of the other regular saver accounts will probably be dropping further soon - so 5.1% fixed for a year isn't too bad (if you dislike AIB that much)
If I was you though - I would tackle that overdraft and credit card before putting money into savings. You will be paying way more interest on those than you will get in any savings account.
BOI only max 500 per month though Anglo 1000. Both have max balances (BOI 5000 for good interest rate & Anlgo account finishes after 12 monthie 12000). These rates from BOI and Anglo are over 1.5% better than all the other banks at about 5.4%, hence I feel as soon as BOI drop rates (probably by over 1% and soon), Anglo will do the same very quick. Think they will continue to drop as many of the rates from banks are tied to ECB hence the other banks not linked with ECB rates will follow and drop rates too. Only my view though
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