Hi, I would appreciate some advice...Have savings of 30.000 which I want to deposit - preferably fixed term as I dont need access . Checked out Best Savings here and thinking of KBC (9 months fixed term 3.51%) or Ulster Bank 1 yr fixed @ 3.50% 'money desk deposit' - anybody know what exactly that means? Dont know anything about KBC so cant really compare and would welcome any kind of advice. Whether 9 or 12 month is irrelevant, looking for the safest option.