Best savings accounts in Ireland

Ireland
DIRT takes 33% of deposit interest and an Irish institution deducts it at source. Interest from a bank elsewhere in the EU is taxed at the same 33%, but you declare it yourself on Form 11 or Form 12.
IE

Best rates available in Ireland

Checked on 28 September 2026. 13 savings accounts, term deposits and money market funds from 12 providers accept someone resident in Ireland. The three highest rates:

  • Raisin, Deposit marketplace at 4.25%, fixed term, no minimum, deposit guarantee: the partner bank's national scheme, up to €100,000.
  • Trading 212, Interest on cash (Trading 212 EU GmbH) at 4.20%, instant access, no minimum, deposit guarantee: Germany, up to €100,000.
  • bunq, Easy Savings at 3.01%, instant access, no minimum, deposit guarantee: Netherlands, up to €100,000.

10 of the 13 are covered by a national deposit guarantee scheme. The best rate you can withdraw at any time is 4.20% at Trading 212, and the best fixed term is 4.25% at Raisin. Rates are variable unless the entry says the term is fixed.

What to know if you live in Ireland

Deposits are covered up to €100,000 per person per institution by the Deposit Guarantee Scheme, run by the Central Bank of Ireland (Central Bank). Certain balances, among them the proceeds of a house sale, a redundancy payment or an inheritance, are protected up to €1 million for six months (S.I. 516/2015).

Interest is taxed under DIRT at 33%, deducted at source by an Irish institution (Revenue). Interest from a bank elsewhere in the EU is taxed at the same 33% but you declare it yourself, on Form 12 or Form 11. Interest from outside the EU is taxed at the higher of the DIRT rate and your marginal rate, and 40% also applies to EU interest declared late. USC does not apply to deposit interest, PRSI may (Revenue).