My Bank of Ireland regular saver ends its 18 month term shortly. They have written to me stating, on completion of the term, the rate of interest will drop to 3.75%. My alternative is to start an esaver regular saver account with them which has a limit of €5,000 @ 7%, max €500 per month. Once over €5,000 interest drops to 3%. They have nothing attractive for my lump sum so must find home elsewhere.