What is the interest rate on PTSB Instant Access Deposit?
PTSB Instant Access Deposit pays 0.01% AER. After 33% DIRT tax, the effective rate is 0.01%.
PTSB Instant Access Deposit
0.01% AER - Instant Access savings account from PTSB. 0.01% after 33% DIRT tax.
Account Details
- Interest Rate: 0.01% AER (0.01% after DIRT)
- Account Type: Instant Access
- Access: Instant access - withdraw anytime
- Minimum Deposit: No minimum
- Maximum Deposit: No maximum
- Deposit Protection: Irish DGS
- Provider: PTSB
Notes: Basic instant access.
Interest Calculator
Estimated annual interest at 0.01% AER:
- €1,000 → €0.10 gross (€0.07 after DIRT)
- €5,000 → €0.50 gross (€0.34 after DIRT)
- €10,000 → €1.00 gross (€0.67 after DIRT)
Use our savings calculator for detailed projections.
About PTSB
Irish retail bank. Fixed term and notice accounts.
Website: https://www.ptsb.ie/
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Frequently Asked Questions
Is my money protected with PTSB?
Yes, deposits are protected under Irish DGS. This covers up to €100,000 per person per institution.
How do I open this account?
Visit PTSB's website or branch to apply. You'll typically need ID and proof of address.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Check with the provider whether DIRT is automatically deducted.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All PTSB accounts: https://smartsaver.ie/savings/provider/ptsb
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- PTSB website: https://www.ptsb.ie/