Maybe most people are quite happy to keep their deposits in Ireland. Also most posters on here are shall we say quite saavy when it comes to their finances and the economy and they smart enough to make up their own minds.
along those lines being an older person in the second half of my 60's I would like to add my own 'halfpenny' worth - even though most people wouldn't listen to me or give me the time of day.
When you live in a country such as Ireland as a regular normal (not rich or super rich individual) and is fortunate enough to have a small amount of money - it is always best IMO to keep the money as close to your chest as possible and not always about chasing the extra point of interest.
I like to put mine under the mattress, that way I know where it is at all times.
From this old head if it has to be a bank, I'd be putting my money somewhere that I know I can walk in and see it, that you can call the funds at anytime with minimum cost, minimum risk and without having to deal with FX rates.
Internet, electronic offshore banking would not let me sleep well at night. No different to me than stock market investing wondering will it go, up, down or disappear.
When it is in the currency where you live, shop and go about your daily life - life is so much easier without worrying about is my money safe or if the Euro is going to crash.
Going offshore to foreign entities may appear all well and good - just for the extra interest points, forget it - but at the end of the day, can you sleep well at night knowing some foreign owned bank or institution can go tits up, change its name or leave you with zero money in your account without warning.
For anyone spreading around their cash into different currencies or thinking about hedging the euro - can you be sure you will always be right investing in Sterling, Dollars or Swiss Francs or one of the Asian currencies?
Reading the thread it reminds me of folks that sell up and move to Spain or Greece or some other foreign country because it is supposedly cheaper. And in the end everyone knows or has read what can happen.
Putting money offshore or in other currencies has it risks - if you think you know what you are doing and don't mind the risks and you can sleep well at night - then go for it.
IMO, low interest accounts in a bank that has been around since the dark ages, has its purpose ... think about it - and they will likely still be there when you are long gone.
For what its worth