What is the interest rate on MoCo EasySaver (Standard)?
MoCo EasySaver (Standard) pays 2.1% AER. After 33% DIRT tax, the effective rate is 1.41%.
MoCo EasySaver (Standard)
2.1% AER - Instant Access savings account from MoCo. 1.41% after 33% DIRT tax.
Account Details
- Interest Rate: 2.1% AER (1.41% after DIRT)
- Account Type: Instant Access
- Access: Instant access - withdraw anytime
- Minimum Deposit: €1
- Maximum Deposit: €500,000
- Deposit Protection: Austrian DGS
- Provider: MoCo
Notes: 2.1% variable rate. DIRT auto-deducted. Easy access.
Interest Calculator
Estimated annual interest at 2.1% AER:
- €1,000 → €21.00 gross (€14.07 after DIRT)
- €5,000 → €105.00 gross (€70.35 after DIRT)
- €10,000 → €210.00 gross (€140.70 after DIRT)
Use our savings calculator for detailed projections.
About MoCo
By BAWAG (Austrian bank). DIRT auto-deducted. Launched Oct 2025.
Website: https://www.moco.ie/
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Frequently Asked Questions
Is my money protected with MoCo?
Yes, deposits are protected under Austrian DGS. This provides protection up to €100,000 under EU deposit guarantee rules.
How do I open this account?
Download the MoCo app and complete ID verification. The process is fully digital.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). MoCo automatically deducts DIRT.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All MoCo accounts: https://smartsaver.ie/savings/provider/moco
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- MoCo website: https://www.moco.ie/