What is the best Bank of Ireland savings rate?
The best Bank of Ireland savings rate is 3% AER on their SuperSaver (12 month term).
Bank of Ireland Savings Accounts in Ireland - May 2026
Bank of Ireland offers 8 savings accounts in Ireland. Bank of Ireland is one of Ireland's main retail banks with branch access nationwide. Deposits protected by Irish DGS (€100,000).
Summary
- Total accounts: 8
- Account types: Regular Saver, Fixed Term, Notice, Instant Access
- Best rate: 3% AER (SuperSaver)
- Best instant access: 0.1% AER
- Deposit protection: Irish DGS (€100,000)
- DIRT tax: Auto-deducted (33%)
- Data updated: Daily at 9am
Instant Access Accounts (1)
Withdraw anytime without penalty.
- 0.1% AER - Instant Access Demand Account. Min €1
Fixed Term Deposits (3)
Lock your money for higher rates.
- 2.24% AER - Advantage Fixed Term — 18 Months (18 months). Min €5,000
- 2.15% AER - Advantage Fixed Term — 1 Year (12 months). Min €5,000
- 1.51% AER - Advantage Fixed Term — 6 Months (6 months). Min €5,000
Notice Accounts (1)
Give notice before withdrawing.
- 1% AER - 365 31 Day Notice Account (31 days notice). Min €5,000
Regular Saver Accounts (3)
Save a fixed amount monthly.
- 3% AER - SuperSaver (12 months). Min €5, Max €30,000
- 2% AER - GoalSaver. Min €20, Max €14,999
- 2% AER - MortgageSaver. Min €200, Max €14,999
Frequently Asked Questions
Is my money safe with Bank of Ireland?
Yes, Bank of Ireland deposits are protected by the Irish Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
How is DIRT tax handled?
Bank of Ireland automatically deducts DIRT (33%) from interest earned. You don't need to declare this separately on your tax return.
Can I access my money instantly?
Yes, Bank of Ireland offers 1 instant access account with rates up to 0.1% AER. You can withdraw anytime without notice or penalty.
How do I open a Bank of Ireland savings account?
Open online via Bank of Ireland's website or app, or visit a local branch. You'll need ID and proof of address.
Compare Other Providers
- AIB: https://smartsaver.ie/savings/provider/aib
- EBS: https://smartsaver.ie/savings/provider/ebs
- Bankinter: https://smartsaver.ie/savings/provider/bankinter
- PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://smartsaver.ie/savings/provider/state-savings
- Raisin: https://smartsaver.ie/savings/provider/raisin
- Revolut: https://smartsaver.ie/savings/provider/revolut
- N26: https://smartsaver.ie/savings/provider/n26
- Bunq: https://smartsaver.ie/savings/provider/bunq
- Trade Republic: https://smartsaver.ie/savings/provider/trade-republic
- MoCo: https://smartsaver.ie/savings/provider/moco
- Monzo: https://smartsaver.ie/savings/provider/monzo
- Klarna: https://smartsaver.ie/savings/provider/klarna
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- Bank of Ireland website: https://www.bankofireland.com/