What is the best PTSB savings rate?
The best PTSB savings rate is 2% AER on their Online Regular Saver.
PTSB Savings Accounts in Ireland - March 2026
PTSB offers 15 savings accounts in Ireland. PTSB is one of Ireland's main retail banks with branch access nationwide. Deposits protected by Irish DGS (€100,000).
Summary
- Total accounts: 15
- Account types: Regular Saver, Fixed Term, Children, Instant Access
- Best rate: 2% AER (Online Regular Saver)
- Best instant access: 0.01% 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.
- 0.01% AER - Online Instant Access. No minimum
- 0.01% AER - Demand Deposit. No minimum
Fixed Term Deposits (8)
Lock your money for higher rates.
- 2% AER - Interest First Fixed Term 1 Year (12 months). Min €5,000
- 2% AER - Online Fixed Term 12 Months (12 months). Min €5,000
- 2% AER - Fixed Term 12 Months (12 months). Min €5,000
- 2% AER - Fixed Term 18 Months (18 months). Min €5,000
- 2% AER - Fixed Term 3 Years (36 months). Min €5,000
- 2% AER - Fixed Term 5 Years (60 months). Min €5,000
- 1.25% AER - Online Fixed Term 6 Months (6 months). Min €5,000
- 1.25% AER - Fixed Term 6 Months (6 months). Min €5,000
Regular Saver Accounts (4)
Save a fixed amount monthly.
- 2% AER - Online Regular Saver. No minimum, Max €75,000
- 2% AER - 21 Day Regular Saver (21 days notice). No minimum, Max €75,000
- 0.5% AER - 40 Day Notice Savings (40 days notice). No minimum
- 0.5% AER - Online 40 Day Notice Savings (40 days notice). No minimum
Frequently Asked Questions
Is my money safe with PTSB?
Yes, PTSB deposits are protected by the Irish Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
How is DIRT tax handled?
PTSB 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, PTSB offers 2 instant access accounts with rates up to 0.01% AER. You can withdraw anytime without notice or penalty.
How do I open a PTSB savings account?
Open online via PTSB'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
- 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
- MoCo: https://smartsaver.ie/savings/provider/moco
- 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
- PTSB website: https://www.ptsb.ie/