What is the interest rate on Bank of Ireland MortgageSaver?
Bank of Ireland MortgageSaver pays 2% AER. After 33% DIRT tax, the effective rate is 1.34%.
Bank of Ireland MortgageSaver
2% AER - Regular Saver savings account from Bank of Ireland. 1.34% after 33% DIRT tax.
Account Details
- Interest Rate: 2% AER (1.34% after DIRT)
- Account Type: Regular Saver
- Access: Regular saver - monthly deposits required
- Minimum Deposit: €200
- Maximum Deposit: €14,999
- Deposit Protection: Irish DGS
- Provider: Bank of Ireland
Notes: Headline AER on regular saving balance €0–€14,999; 0.50% AER above and on lump-sum lodgements. Monthly Direct Debit €200–€2,500.
Interest Calculator
Estimated annual interest at 2% AER:
- €1,000 → €20.00 gross (€13.40 after DIRT)
- €5,000 → €100.00 gross (€67.00 after DIRT)
- €10,000 → €200.00 gross (€134.00 after DIRT)
Use our savings calculator for detailed projections.
About Bank of Ireland
One of Ireland's largest banks.
Website: https://www.bankofireland.com/
Compare Similar Regular Saver Accounts
- AIB Online Saver - 3% AER
- EBS Family Savings Account - 3% AER
- Bank of Ireland SuperSaver - 3% AER
- Bank of Ireland GoalSaver - 2% AER
- PTSB Online Regular Saver - 2% AER
Frequently Asked Questions
Is my money protected with Bank of Ireland?
Yes, deposits are protected under Irish DGS. This covers up to €100,000 per person per institution.
How do I open this account?
Visit Bank of Ireland's website or branch to apply. You'll typically need ID and proof of address.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Check with the provider whether DIRT is automatically deducted.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All Bank of Ireland accounts: https://smartsaver.ie/savings/provider/boi
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- Bank of Ireland website: https://www.bankofireland.com/