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Useful information

Account summary and rates - Accounts no longer available to new customers

Effective from 2 December 2014

Account Frequency interest paid Rate bands € Current rates (variable)
Gross % AER %
Direct Saver [excluding 12 month introductory bonus of 0.82% Gross/AER (fixed)] Monthly 5,000 - 1,000,000 0.05 0.05
0 - 4,999 0.01 0.01
Direct Saver [including 12 month introductory bonus of 0.82% Gross/AER (fixed)] Monthly 5,000 - 1,000,000 0.87 0.87
0 - 4,999 0.01 0.01
eSavings Monthly 0 - 1,000,000 0.05 0.05
eSavings Plus Monthly 15,000-1,000,000 0.05 0.05
0-14,999 0.01 0.01
Pathway Annually in October 15,000 - 1,000,000 0.05 0.05
0 - 14,999 0.01 0.01
Bonus Saver (excluding bonuses) Quarterly 25,000-1,000,000 0.20 0.20
10,000-24,999 0.05 0.05
0-9,999 0.01 0.01
Bonus Saver (including bonuses) Quarterly (including bonuses) 25,000-1,000,000 0.30 0.30
10,000-24,999 0.15 0.15
0-9,999 0.01 0.01
Access Plus (excluding bonuses) Quarterly (excluding bonuses) 25,000-1,000,000 0.20 0.20
10,000-24,999 0.05 0.05
3,000-9,999 0.05 0.05
0-2,999 0.01 0.01
Access Plus (including bonuses) Quarterly (including bonuses) 25,000-1,000,000 0.30 0.30
10,000-24,999 0.15 0.15
3,000-9,999 0.15 0.15
0-2,999 0.01 0.01
Regular Savings Quarterly 0-100,000 0.05 0.05
Reward Reserve (excluding bonuses) Quarterly 10,000-250,000 0.01 0.01
0-9,999 0.01 0.01
Reward Reserve (including bonuses) Quarterly 10,000-250,000 0.06 0.06
0-9,999 0.01 0.01
Personal Savings Quarterly 0 + 0.01 0.01
RSVP Anytime Quarterly 250,000+ 0.20 0.20
95,000-249,999 0.15 0.15
0-94,999 0.01 0.01
Reserve 90 Quarterly 1,000,000+ 0.20 0.20
0-999,999 0.01 0.01
Reserve 30 Quarterly 125,000+ 0.05 0.05
0-124,999 0.01 0.01
55 Plus Savings Quarterly 0+ 0.01 0.01
Deposit Receipts Upon presentation of Deposit Receipt 125,000 + 0.25 0.25
0 - 124,999 0.05 0.05
Instant Access Plus Quarterly 0+ 0.01 0.01
ECB Rate Linked Deposit Account Quarterly (excluding bonuses) 15,000-100,000 0.00 0.00
0-14,999 0.01 0.01
ECB Rate Linked Deposit Account Quarterly (including bonuses) 15,000-100,000 0.10 0.10
0-14,999 0.01 0.01
ufirst Savings Account Quarterly 0+ 0.05 0.05

All rates are subject to variation and are correct at time of posting to site (2 December 2014). Full information on interest rates can be obtained from any member of staff or by telephoning Anytime Banking on 1850 424 365. Details of fixed rate deposit accounts are available on request.

All returns are subject to Deposit Interest Retention Tax (DIRT). Under current legislation, the effective DIRT rate is 41%.

Gross is the interest rate paid before the deduction of tax.

Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.