I don't understand what dub_nerd said but username123 is correct. However the 3.00% is a variable rate and may drop during the 12 month period.
As username123 says, his calcs are as close as makes no difference. Not only would I not be bothered with the extra from the deposit account, but I wouldn't be bothered with the regular saver at all for an extra €8/month after tax on €12,000. Rates are just to low for the hassle of chasing extra fractions of a percent. I only did the detailed calculation to remind myself of that.I don't understand what dub_nerd said but username123 is correct. However the 3.00% is a variable rate and may drop during the 12 month period.