Thanks for postings this and for the heads up on the possible rate change.
I'm surprised in some respects.
Permanent TSB already changed a lot of their rates as at 26th January, Permanent TSB normally give heaps of notice of rate changes and any bank should give a minimum of 21 days notice of a change in interest rate to a 21 day notice account.
On the other hand, the 4% rate was not long term sustainable.
We will see what happens.