negotiating a better interest rate

a 5 month term deposit I had with EBS is finished and their best rate advertised for 6 months was 3.33.
They rang to see would I stay on and I said I'd get a better rate with KBC. So after a few minutes tallking to his boss, the nice chap offered me a rate of 3.52 for 6 months, just below KBC's rate so I took it, to save the hassle of moving

So a bit of negotiating goes a long way in the current market!

Delboy said:

the nice chap offered me a rate of 3.52 for 6 months,

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so the domestic Irish practice of paying up 2.00% over interbank rate holds. 6mth Euribor is around 1.5% (what real banks lend 6mth money to each other)

A few people have mentioned that ESB are quite good at negotiating rates with customers.

marksa said:

so the domestic Irish practice of paying up 2.00% over interbank rate holds. 6mth Euribor is around 1.5% (what real banks lend 6mth money to each other)

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What healthy banks lend to each other