lump sum - which type of account is better?

P

princessFi

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have about 12-15k lump sum from another term deposit account that Im looking to put back into another account.
looking at the different options which of these accounts would be better?

PTSB online regular saver @ 4.0% lodging max €1k a month for 12 months or putting lump sum into AIB Easy Access Reward Account @ 3.2% for 1 year

My sense of these tells me the PTSB will give me the biggest return on my lump sum (as its 4% as opposed to 3.2%), is this correct? just that I dont put it all in one go but €1k a month
 
It will take you 15 months to get all your money into that PTSB account. By such time the rate may have dropped.

How about opening both accounts and feeding the PTSB account from the AIB Anglo Irish Bank account?
 
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