Compare Fixed-Rate Deposits in Ireland

Live offers across tracked providers in Ireland — updated daily from the Giraffy database.

Live offers

20 live offers compared from 16 providers, from 2% gross. Updated daily.

Triodos 1yr Bond Triodos Bank

2% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 2.00% AER
Term: 1 year
Min. Deposit: €1,000
Key Feature: Ethical bank

Bunq Fixed Savings Bunq

2.50% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 2.50% AER
Term: 6 months
Min. Deposit: €1
Key Feature: DGS guaranteed

NTMA 3yr Bond State Savings (NTMA)

3% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.00% AER
Term: 3 years
Min. Deposit: €50
Key Feature: State guaranteed

Bank of Ireland Fixed Term Deposit Bank of Ireland

3% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.00% AER
Term: 1 year
Min. Deposit: €10,000
Key Feature: Bank of Ireland — Ireland's oldest bank; nationwide branches; trusted brand

PTSB Fixed Term Deposit Permanent TSB

3.10% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.10% AER
Term: 1 year
Min. Deposit: €1,000
Key Feature: PTSB — national branch network; online + app; rate competitive for branch bank

AIB Fixed Deposit Account AIB

3.25% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.25% AER
Term: 1 year
Key Feature: €10,000
Min. Deposit: AIB — Ireland's largest bank; branch + online; widely trusted

Rabobank 1yr Fixed Rabobank Ireland

3.40% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.40% AER
Term: 1 year
Min. Deposit: €1,000
Key Feature: Dutch guarantee

NTMA 5yr Bond State Savings (NTMA)

3.50% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.50% AER
Term: 5 years
Min. Deposit: €50
Key Feature: State guaranteed

An Post State Savings 4yr An Post Money

3.50% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.5% p.a.
Term: 4 years
Min. Deposit: €50
Key Feature: State guaranteed savings

Finance Ireland 1yr Finance Ireland

3.55% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.55% AER
Term: 1 year
Min. Deposit: €5,000
Key Feature: Irish bank

Raisin IE 1-Year Term Deposit Raisin

3.60% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: Up to 3.60% AER
Term: 1 year
Min. Deposit: €10,000
Key Feature: Raisin — aggregator; access top EU partner bank rates from one account

Rabobank 2yr Fixed Rabobank Ireland

3.65% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.65% AER
Term: 2 years
Min. Deposit: €1,000
Key Feature: Dutch guarantee

NTMA 10yr Bond State Savings (NTMA)

3.75% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.75% AER
Term: 10 years
Min. Deposit: €50
Key Feature: State guaranteed

Trade Republic Fixed Savings IE Trade Republic

3.75% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.75% p.a. (gross)
Term: Flexible (no lock-in)
Min. Deposit: €1
Key Feature: Trade Republic — leading digital rate; no lock-in; accessible to Irish residents

Raisin 2yr Fixed Raisin

3.80% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 3.80% AER
Term: 2 years
Min. Deposit: €1,000
Key Feature: Multi-bank platform

N26 Fixed Savings IE N26

4% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 4.0% p.a.
Term: 3 months
Min. Deposit: €1,000
Key Feature: Instant top-up feature

Moneybox FSCS 1yr Moneybox

4.20% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 4.20% AER
Term: 1 year
Min. Deposit: €500
Key Feature: FSCS protected

Avant Money Fixed Deposit Avant Money

4.20% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 4.2% p.a.
Term: 1 year
Min. Deposit: €5,000
Key Feature: EBS group partnership

Chetwood 1yr Fixed Chetwood

4.25% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 4.25% AER
Term: 1 year
Min. Deposit: €1,000
Key Feature: UK-based FSCS

Tandem 1yr Fixed Tandem Bank

4.50% gross

Tutela del deposito: EU DGS — up to €100,000
Interest Rate: 4.50% AER
Term: 1 year
Min. Deposit: £1,000
Key Feature: FSCS protected

What is a fixed deposit in Ireland?

A fixed-term deposit, sometimes called a term account, locks a lump sum away for a set period — commonly three months to several years — in return for a guaranteed interest rate. You cannot usually access the money before maturity without penalty, but the trade-off is a higher and certain return than an instant-access account. Fixed deposits suit money you know you will not need for a defined period.

How the Irish market works

Fixed terms are offered by Irish banks, State Savings from the NTMA, and, increasingly, EU banks accessed through deposit platforms such as Raisin. State Savings certificates and bonds provide Government-backed, tax-free fixed returns, while Rabobank, Finance Ireland, Moneybox, Chetwood, Tandem and Bunq offer term deposits at varying rates. Interest on most accounts is subject to DIRT, and eligible deposits are protected under the €100,000 guarantee.

Benefits

Guaranteed rate — the interest rate is fixed for the whole term, unaffected by market moves.

Higher returns — locking money away typically pays more than instant-access savings.

Deposit protection — eligible balances are covered up to €100,000 per institution.

Tax-free State Savings — NTMA fixed products pay returns free of DIRT.

How to choose

Pick a term you can commit to, since early withdrawal usually forfeits interest, and compare the annual rate across banks, platforms and State Savings. Check whether the €100,000 guarantee applies through an Irish or EU scheme, factor DIRT into your net return, and consider laddering several deposits with different maturities to keep some access. State Savings are worth comparing for their tax-free, Government-backed returns.

Leading providers in Ireland

State Savings, run by the NTMA, offers Government-backed, tax-free fixed products, while Rabobank Ireland and Finance Ireland provide term deposits. Deposit platform Raisin opens access to higher-rate accounts from EU banks such as Moneybox partners, Chetwood, Tandem and Bunq. The best rate depends on the term, the provider's guarantee scheme and whether tax-free State Savings suit your goal.

What it costs

Fixed deposits do not carry fees, and the headline figure is the interest rate, which in the current market broadly ranges from around 2% to 4.5% depending on the term and provider. Longer terms and EU-platform accounts often pay more. Remember DIRT reduces the net return on most accounts, so compare after-tax yields, and note that State Savings returns are DIRT-free.

Protections and regulation

Deposit-takers are regulated by the Central Bank of Ireland, and eligible fixed deposits are protected up to €100,000 per person per institution under the Deposit Guarantee Scheme, or the home-state equivalent for EU-platform accounts. State Savings carry a direct Government guarantee. DIRT is applied under Revenue rules, and the Financial Services and Pensions Ombudsman handles disputes.

Common questions

Can I withdraw early? — Usually not without losing interest, so only fix money you will not need before maturity.

Are EU-platform deposits safe? — Eligible deposits are protected up to €100,000 under the bank's home-state guarantee scheme.

How is interest taxed? — Most deposits are subject to DIRT, though State Savings products pay returns tax-free.

Fixed-Rate Deposits in Ireland — FAQ

What is the best fixed deposit rate in Ireland right now?

Giraffy tracks 5 fixed-rate deposit accounts across Triodos Bank,Bunq,State Savings (NTMA),Bank of Ireland,Permanent TSB banks in Ireland. Sort by highest rate and compare term lengths to see which account suits your timeline.

What is a fixed-rate deposit and how does it work?

A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.

Are fixed deposits safe?

Yes — the Deposit Guarantee Scheme (DGS) protects up to €100,000 per person, per bank. Fixed deposits at Central Bank of Ireland-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.

Can I withdraw money early from a fixed deposit?

Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.

What is the difference between a fixed deposit and an easy-access savings account?

Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.

What happens at the end of a fixed deposit term?

At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.

How are fixed deposit rates set in Ireland?

Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Central Bank of Ireland raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.