Best Buy Instant Access & Notice Deposit Accounts

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Rates are frequently updated. Information last changed: 23 September 2019.

Highest Variable Rate


€0.01+ - Permanent TSB: Booster Bonus Account - 0.21%

Selected Instant Access & Notice Variable Rate Accounts

Permanent TSB: Booster Bonus Account
0.01%
on €0.01+ excluding bonus.
0.21% on €0.01+ including bonus*.
  • Access: Instant access.
  • *Bonus is only paid if you make no more than 2 withdrawals per calendar year (1 January to 31 December inclusive).
  • Interest paid: 31 December or next business day.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: 35 Day Notice Account
0.20%*
on €3,000 to €100,000
0.01%** on €100,000+
0.01% on €1,500,000.01+ on the entire balance
  • *Rate applies from 1 October 2019.
  • Access: 35 days notice is required to make a withdrawal.
  • **Once the account balance exceeds €100,000 any balance in excess of this amount will earn interest at the prevailing Standard Demand Deposit Account as per the rate above.
  • Interest paid: Annually in December.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

NTMA: State Savings: Deposit Account
0.15%
on €1+
  • Access: Instant access.
  • Interest paid: Annually.
  • No online access provided.
  • This State Savings account is subject to normal DIRT.
  • Deposit Protection: Unlimited via Irish government guarantee.

Ulster Bank: Private Reserve
0.01% on €0.01 to €15,000
0.15% less €432+* fees per year on €15,000+
  • Access: Instant access.
  • Interest paid: Monthly.
  • NB: You must also open a Private Current Account or a Private Ufirst Current account which will incur fees of *€36 per month for a Private Current Account or €50 per month with a Private Ufirst Current account.
  • This product is aimed at high wealth individuals. You may need to prove your wealth level before opening an account.
  • This product provides access to a relationship manager and other benefits.
  • This product is not available for branch opening, account must be opened via Ulster Bank headquarters.
  • Given the fees involved, and given the fact that there is no cap to above rate, this account may be best suited to those that have a very large deposit to place.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Smart Access Demand Account
0.10%*
on €3,000 to €100,000
0.01% on €100,000+ on the entire balance*
  • *Rate applies from 1 October 2019.
  • Access: Instant access.
  • Interest paid: Annually in December.
  • *Once the account balance (including interest added) exceeds €100,000 the entire balance will earn interest at the KBC Standard Demand Deposit Account interest rate as per the rate above.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Ulster Bank: Loyalty Saver
0.01%
on €0.01 to €2,000
0.05% on €2,000 to €25,000 excluding bonus.
0.10%* on €2,000 to €25,000 including bonus.
0.05% on €25,000 to €1,000,000 excluding bonus.
0.10%* on €25,000 to €1,000,000 including bonus.
  • Access: Instant access.
  • Interest paid: Annually each January.
  • *Rate above includes a bonus. This bonus is only paid if you make no more than 4 withdrawals in an annual period.
  • If you close your account at any stage during the year the bonus interest will not be paid.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 90 Day Notice
0.10%
on €5,000 to €1,000,000
  • Access: 90 days notice required for withdrawals.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 60 Day Notice
0.07%
on €5,000 to €1,000,000
  • Access: 60 days notice required for withdrawals.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme

Bank of Ireland: 365 31-Day Notice Account
0.05%
on €5,000 to €1,000,000
  • Access: 31 days notice required for withdrawals.
  • Online and by phone only.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Bank of Ireland: 31 Day Set Notice Account
0.05%
on €5,000 to €1,000,000
  • Access: 31 days notice required for withdrawals.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

EBS: High Yield Access
0.02%
on €0.01 to €99,999
0.02% on €100,000 to €249,999
0.02% on €250,000+
  • Access: Instant access.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Private Banking Demand Account
0.02%
on €0.01+
  • Access: Instant access.
  • Interest paid: Bi-annually in April and October.
  • You must be a Private Banking personal customer or a sole trader/partnership or charity to open this account. Becoming Private Banking personal customer may incur other fees.
  • Lodgements/withdrawals can only be made from another AIB account. Therefore, customer must keep another AIB account open.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

AIB: Online Notice Deposit 7
0.02%
on €0.01 to €1,000,000
  • Access: 7 days notice required for withdrawals.
  • Interest paid: Bi-annually in April and October.
  • Online only.
  • Customers must already have an AIB account and be registered for phone and internet banking.
  • One withdrawal per notice and at most one notice pending at any time.
  • Lodgements/withdrawals can only be made from another AIB account. Therefore, customer must keep another AIB account open.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.
EBS: 40 Day Notice Account
0.02%
on €0.01+
  • Access: 40 days notice required.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online Instant Access Account
0.01%
on €0.01+
  • Access: Instant access.
  • Interest paid: Annually on first working day after 20 November.
  • Online only.
  • Joint accounts not allowed.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Online Savings Accounts: Smart Move Online Demand Account
0.01% less avoidable current account fees*
on €0.01 to €100,000
  • Access: Instant access.
  • Interest paid: Annually in December.
  • *It is mandatory to open a KBC Current Account or KBC Extra Current Account in order to be able to open this account. A KBC Current Account will incur maintenance fees and other fees. A KBC Extra Current account will not incur maintenance fees provided you deposit at least €2,500 per month.
  • Ability to ‘sweep’ any excess funds from your KBC Current Account each month.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

KBC: Standard Demand Deposit Account
0.01%
on €0.01+
  • Access: Instant access.
  • Interest paid: Twice annually.
  • Minimum account opening balance €3,000.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Broker Deposits: 30 Day Notice
0.01%
on €10,000+
  • Access: 30 days notice required for withdrawals.
  • Interest paid: Annually with monthly interest option available on request.
  • Not available for branch opening, account must be opened through a broker.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: Online 40 Day Notice Account
0.01%
on €0.01+
  • Access: 40 days notice required for withdrawals.
  • Interest paid: Annually on first working day after 20 November.
  • Online only.
  • Joint accounts not allowed.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Permanent TSB: 40 Day Notice Savings Account
0.01%
on €0.01+
  • Access: 40 days notice required for withdrawals.
  • Interest paid: Annually on first working day after 20 November.
  • Deposit Protection: €100,000 via Irish Deposit Guarantee Scheme.

Revolut: Vaults
0.00%
on €0.01+
  • Access: Instant access.
  • App online access only.
  • Ability to open multiple savings accounts. Each savings account can be labelled with a purpose in mind. For example, holidays etc.
  • Feature that enables rounding up of purchases where the rounded up difference goes into a savings account.
  • Deposit Protection: None currently.

N26: Spaces
0.00%
on €0.01+
  • Access: Instant access.
  • Online only.
  • Ability to open multiple savings accounts (2-10 depending on the current account product). Each savings account can be labelled with a purpose in mind. For example, holidays etc.
  • Deposit Protection: €100,000 via German deposit protection.

Notes:

Deposit Protection Schemes:

Further Information:
  • Instant access and notice account rates and products change frequently. Ensure you regularly check your rate to ensure you are getting the best return for your money.
  • All rates are AER and are stated before deduction of Deposit Interest Retention Tax (DIRT).
  • Post updates / suggestions in the deposits and savings forum.
  • If you want to save on a regular basis, you should also consider regular saver accounts, some of which offer higher rates, than some of the instant access accounts above.
  • There are other best buy threads for term deposits, regular saver accounts and current accounts.
  • Most credit unions pay very low rates on deposits and shares, but some pay good rates. It might be worth your while investigating the rate offered by your local credit union.
Rate and Product Updates:
  • If you want email updates on instant access and notice account rate changes, you can subscribe to this thread.
 
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