Unless I am mistaken there are more than 2 higher rates on offer for lump sums of €10K+ in the Financial Best Buys forum list of lump sum deposit accounts. If you are willing to take marginally less interest in order to go with Postbank (which is not the same as An Post proper state guaranteed savings, remember) then so be it but it makes little sense to me and perhaps others when you can easily get a higher rate elsewhere.I had looked at www.itsyourmoney.ie and the only 2 higher rates for on demand were an introductory rate with Anglo or Northern Rock.