What is the best State Savings savings rate?
The best State Savings savings rate is 2.01% AER on their 10 Year National Solidarity Bond (120 month term).
State Savings Savings Accounts in Ireland - March 2026
State Savings offers 4 savings accounts in Ireland. State Savings products are backed by the Irish Government and are completely tax-free (no DIRT).
Summary
- Total accounts: 4
- Account types: Fixed Term, Regular Saver
- Best rate: 2.01% AER (10 Year National Solidarity Bond)
- Deposit protection: Irish Government (unlimited)
- DIRT tax: Tax-free (no DIRT)
- Data updated: Daily at 9am
Fixed Term Deposits (3)
Lock your money for higher rates.
- 2.01% AER - 10 Year National Solidarity Bond (120 months). Min €50, Max €120,000
- 1.74% AER - 5 Year Savings Certificate (60 months). Min €50, Max €120,000
- 1.32% AER - 3 Year Savings Bond (36 months). Min €50, Max €120,000
Regular Saver Accounts (1)
Save a fixed amount monthly.
- 1.75% AER - 6 Year Instalment Savings (72 months). Min €25, Max €1,000
Frequently Asked Questions
Is my money safe with State Savings?
Yes, State Savings are backed by the Irish Government with no upper limit. This is the safest option for Irish savers.
How is DIRT tax handled?
State Savings products are completely tax-free. No DIRT (Deposit Interest Retention Tax) applies, making the effective return higher than comparable taxable accounts.
How do I open a State Savings savings account?
Open a State Savings account online at statesavings.ie or at any An Post branch. You'll need your PPS number and ID.
Compare Other Providers
- AIB: https://smartsaver.ie/savings/provider/aib
- PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
- 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
- State Savings website: https://www.statesavings.ie/