how to achieve best rate with €36k

I have €36k to put into a high % deposit account. There is a limit of €20 k to achieve the best rate as the thread in the section, and a lesser rate over this amount. Would it be silly to open two accounts under my name and my wife's and split the money.

Any comments would be appriciated.

Re: how to achieve best rate with €32

Yeah, the best rate is 3.75% with Irish Nationwide up to 20,000 EUR.

It would not be silly to open 2 accounts, go for it, do what is required to maximise the return on your money.

Fixed at 3.8% to ensure you dont lose out if rates are cut