What is the best MoCo savings rate?
The best MoCo savings rate is 2.6% AER on their EasySaver (Promo).
MoCo Savings Accounts in Ireland - March 2026
MoCo offers 2 savings accounts in Ireland. MoCo is a digital-only bank with app-based account management. Irish DGS protection (€100,000).
Summary
- Total accounts: 2
- Account types: Instant Access
- Best rate: 2.6% AER (EasySaver (Promo))
- Best instant access: 2.6% AER
- Deposit protection: Irish DGS (€100,000)
- DIRT tax: Auto-deducted (33%)
- Data updated: Daily at 9am
Instant Access Accounts (2)
Withdraw anytime without penalty.
- 2.6% AER - EasySaver (Promo). Min €1, Max €500,000
- 2.1% AER - EasySaver (Standard). Min €1, Max €500,000
Frequently Asked Questions
Is my money safe with MoCo?
MoCo deposits are protected by applicable deposit guarantee schemes. Check their website for details.
How is DIRT tax handled?
MoCo 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, MoCo offers 2 instant access accounts with rates up to 2.6% AER. You can withdraw anytime without notice or penalty.
How do I open a MoCo savings account?
Download the MoCo app, complete ID verification, and start saving within minutes. Fully digital process.
Compare Other Providers
- AIB: https://smartsaver.ie/savings/provider/aib
- PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://smartsaver.ie/savings/provider/state-savings
- 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
- Monzo: https://smartsaver.ie/savings/provider/monzo
- Klarna: https://smartsaver.ie/savings/provider/klarna
- Bank of Ireland: https://smartsaver.ie/savings/provider/bank-of-ireland
- Raisin: https://smartsaver.ie/savings/provider/raisin
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- MoCo website: https://www.moco.ie/