What is the best savings rate in Ireland right now?
The best savings rate is 3.1% AER from Raisin (Starter Account (3 Month)). For instant access accounts, the best rate is 2.6% AER from MoCo.
Best Savings Accounts in Ireland - February 2026
Compare 215 savings accounts from 11 providers. All rates shown are AER (Annual Equivalent Rate). DIRT tax of 33% applies to interest earned on most accounts. State Savings products are tax-free.
Summary
- Total accounts: 215
- Providers: 11 (AIB, Bank of Ireland, PTSB, State Savings, Raisin, Revolut, N26, Bunq, Trade Republic, MoCo, Klarna)
- Best overall rate: 3.1% AER - Raisin (Starter Account (3 Month))
- Best instant access: 2.6% AER - MoCo (EasySaver (Promo))
- Data updated: Daily at 9am
Instant Access Accounts (30 accounts)
Withdraw your money anytime without penalty. Best for emergency funds.
- 2.6% AER - MoCo: EasySaver (Promo). Min €1, Max €500,000
- 2.25% AER - Revolut: Instant Access Savings (Ultra). No minimum, Max €100,000
- 2.1% AER - MoCo: EasySaver (Standard). Min €1, Max €500,000
- 2.02% AER - Raisin: Demand Deposit. Min €1, Max €100,000
- 2.02% AER - Raisin: Demand Deposit. Min €1, Max €100,000
- 2.01% AER - Raisin: Demand Deposit. Min €1, Max €100,000
- 2.01% AER - Bunq: Easy Savings. No minimum, Max €100,000
- 2% AER - Revolut: Instant Access Savings (Metal). No minimum, Max €100,000
- 2% AER - N26: Instant Savings (Metal - new). No minimum
- 2% AER - Trade Republic: Savings Account. Min €1, Max €50,000
- 1.97% AER - Raisin: Demand Deposit. Min €1, Max €100,000
- 1.96% AER - Raisin: Demand Deposit. Min €1, Max €100,000
- 1.87% AER - Klarna: Flexible Savings Account. No minimum
- 1.86% AER - Raisin: Demand Deposit. Min €1, Max €100,000
- 1.86% AER - Raisin: Demand Deposit. Min €1, Max €100,000
Plus 15 more instant access accounts. See all at https://smartsaver.ie/savings
Notice Accounts (1 accounts)
Give notice (typically 30-90 days) before withdrawing. Higher rates than instant access.
- 0.75% AER - AIB: Online Notice Deposit 7 (7 days notice). No minimum, Max €1,000,000
Fixed Term Deposits (174 accounts)
Lock your money for a set period (3 months to 5 years). Highest rates available.
- 3.1% AER - Raisin: Starter Account (3 Month) (3 months). Min €1, Max €100,000
- 3.05% AER - Raisin: 7 Years Fixed (84 months). Min €1,000, Max €100,000
- 2.9% AER - Klarna: 4 Year Fixed (48 months). No minimum
- 2.85% AER - Raisin: 5 Years Fixed (60 months). Min €1,000, Max €100,000
- 2.85% AER - Raisin: 5 Years Fixed (60 months). Min €5,000, Max €100,000
- 2.83% AER - Raisin: 7 Years Fixed (84 months). Min €5,000, Max €100,000
- 2.79% AER - Raisin: 10 Years Fixed (120 months). Min €5,000, Max €100,000
- 2.79% AER - Raisin: 8 Years Fixed (96 months). Min €5,000, Max €100,000
- 2.79% AER - Klarna: 3 Year Fixed (36 months). No minimum
- 2.77% AER - Raisin: 9 Years Fixed (108 months). Min €5,000, Max €100,000
- 2.75% AER - Raisin: 4 Years Fixed (48 months). Min €5,000, Max €100,000
- 2.73% AER - Raisin: 6 Years Fixed (72 months). Min €5,000, Max €100,000
- 2.71% AER - Raisin: 4 Years Fixed (48 months). Min €500, Max €100,000
- 2.7% AER - Raisin: 5 Years Fixed (60 months). Min €1,000, Max €95,000
- 2.67% AER - Raisin: 5 Years Fixed (60 months). Min €5,000, Max €100,000
Plus 159 more fixed term accounts.
Regular Saver Accounts (5 accounts)
Save a fixed amount monthly. Often have the highest headline rates but with deposit limits.
- 3% AER - AIB: Online Saver (Regular). Min €10, Max €1,000
- 3% AER - AIB: Family Savings Account (12 months). Min €100, Max €1,000
- 2% AER - Bank of Ireland: GoalSaver Account. Min €20, Max €2,000
- 2% AER - PTSB: 21-Day Regular Saver (21 days notice). Min €100, Max €1,000
- 1.75% AER - State Savings: 6 Year Instalment Savings (72 months). Min €25, Max €1,000
Frequently Asked Questions
What is DIRT tax?
DIRT (Deposit Interest Retention Tax) is 33% tax automatically deducted from savings interest in Ireland. For example, if you earn €100 interest, you receive €67 after DIRT. State Savings products (Prize Bonds, Savings Certificates) are exempt from DIRT.
Are savings accounts safe in Ireland?
Savings up to €100,000 per person per bank are protected by the Deposit Guarantee Scheme in Ireland and the EU. This covers most Irish banks and EU banks operating in Ireland.
What's the difference between AER and gross rate?
AER (Annual Equivalent Rate) shows the interest rate if interest was compounded annually, making it easier to compare accounts. Gross rate is the basic rate before any compounding. Always compare using AER.
Which Irish banks offer the best savings rates?
Currently, the best rates come from: Raisin (marketplace for EU banks), MoCo, Bunq, Trade Republic, Revolut, and State Savings. Traditional Irish banks (AIB, Bank of Ireland, PTSB) typically offer lower rates.
Savings Providers in Ireland
- AIB
- Bank of Ireland
- PTSB
- State Savings
- Raisin
- Revolut
- N26
- Bunq
- Trade Republic
- MoCo
- Klarna
Savings Tools
- Savings Growth Calculator: https://smartsaver.ie/savings/tools/savings-growth
- Cost of Waiting Calculator: https://smartsaver.ie/savings/tools/cost-of-waiting