Savings account with ATM card option

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margaret1

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I am hoping to open a savings account, preferably with interest that also offers a ATM or Cash card. It seems from a number of banks I have looked at particularly if a card is required,then the account needs to be a type of current account whereby a debit card is issued & fees applied. Best buy recommendations is a great starting point for interest & specific terms but would anyone know of a savings account or regular savings product that offers a ATM card option.
 
margaret1 said:
I am hoping to open a savings account, preferably with interest that also offers a ATM or Cash card. It seems from a number of banks I have looked at particularly if a card is required,then the account needs to be a type of current account whereby a debit card is issued & fees applied. Best buy recommendations is a great starting point for interest & specific terms but would anyone know of a savings account or regular savings product that offers a ATM card option.
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ATM cards are normally only issued with current accounts. You will not get a good return from a current account.

You need to open both a current account and a savings account. You can wire money between each of the accounts online.
 
It's not a laser card - just a basic atm card. No fees except government €2.50 duty per year if you use the card.

Compared to a current a/c your only missing direct debits and standing orders if you register for 365 banking.
 
Thank you Teresa1, BOI may be an option then & I also think Ulster Bank have a s/a type with a cash card. Thanks Ciaran, good idea to drip feed as needed from an account with a higher interest, will keep that in mind.
 
I recently opened a current account with PTSB and then opened an online savings account with them also (something like 2.85%, I think). I havent started using the savings account yet, but today I used my Visa Debit card in a PTSB ATM and it gave me the option of using my current account or my savings account. I dont know if would allow me to remove cash from the savings account (I couldnt test as I dont have any funds in it), maybe it only allows me to order statements etc, but it might be worth looking in to.
 
JohnJay said:
I recently opened a current account with PTSB and then opened an online savings account with them also (something like 2.85%, I think). I havent started using the savings account yet, but today I used my Visa Debit card in a PTSB ATM and it gave me the option of using my current account or my savings account. I dont know if would allow me to remove cash from the savings account (I couldnt test as I dont have any funds in it), maybe it only allows me to order statements etc, but it might be worth looking in to.
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The PTSB ATM card does not yet you take money out of your savings account. The on-screen message on the ATM machine is misleading.
 
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