Savings comparison tool

Whatever your savings needs, whether it’s a dream holiday, new car, home of your own, or simply a safe place for your money, we have a wide range of options to help you reach your goal. See our summary product comparison to help you narrow your choices and select the best option to suit your needs.

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Last update: 29/05/2025 15:38:15
products interest rate Designed for what are the key features where can I apply access saving goals
SuperSaver
  • 3.00% AER* fixed for the first 12 months.
  • Following the 12 month period the account will default to the Standard Regular Saver variable rate (currently 2%)
  • (subject to DIRT***)
  • All savers
  • Save monthly by direct debit: Minimum €5, Maximum €2,500.
  • Fixed interest rate for 12 months.
  • Instant access to your money in any branch with ID or via 365 Online, money will be credited the next working day.
  • Online banking
  • In branch
Instant AccessMedium-Term: Save for goals 1 to 3 years, like a house deposit.
GoalSaver
  • Up to €14,999: 2.00% AER* Variable.
  • €15,000 and above: 0.50% AER* Variable.
  • (subject to DIRT***)
  • All savers
  • Save monthly by direct debit: Minimum €20, Maximum €2,000.
  • Instant access to your money in any branch with ID or via 365 Online, money will be credited the next working day.
  • Variable interest rate*.
  • Online banking
  • In branch
Instant AccessShort-Term: Save for immediate or near-future needs, like a holiday.
MortgageSaver
  • Up to €14,999: 2.00% AER* Variable.
  • €15,000 and above: 0.50% AER* Variable.
  • (subject to DIRT***)
  • All savers
  • Save monthly by direct debit: Minimum €200, Maximum €2,500.
  • €2,000 bonus interest for first time buyers.
  • (subject to DIRT***)
  • Online banking
  • In branch
Instant AccessMedium-Term: Save for goals 1 to 3 years, like a house deposit.
31 Day Notice Account
  • Variable interest rate 1.00% AER*
  • (subject to DIRT***)
  • Requires a minimum lodgement of €5,000
  • Minimum lodgement of €5,000.
  • Withdraw money by giving 31 days notice.
  • No maximum lodgement amount.
  • Additional lodgements permitted.
  • In branch
Limited AccessMedium-Term: Save for goals 1 to 3 years, like a house deposit.
Advantage Fixed Term Deposit Account**
  • 6 Months: 1.51% AER* fixed.
  • 12 Months: 2.00% AER* fixed.
  • 18 Months: 2.48% AER* fixed.
  • (subject to DIRT***)
  • Requires a minimum lodgement of €5,000
  • From €5,000.
  • One lump sum allowed into the term account.
  • Withdrawal of 25% access permitted during the term.
  • Online banking
  • In branch
Limited AccessMedium-Term: Save for goals 1 to 3 years, like a house deposit.
Instant Access Demand
  • Variable interest rate 0.10% AER*
  • (subject to DIRT***)
  • Requires BOI current account for online functionality
  • Save irregular amounts.
  • Instant access to your money in any branch with ID or via 365 Online.
  • Cash and euro cheque lodgements.
  • E-statements.
  • Online banking
  • In branch
Instant AccessShort-Term: Save for immediate or near-future needs, like a holiday.
365 31 Day Notice Account
  • Variable interest rate 1.00% AER*
  • (subject to DIRT***)
  • Requires BOI current account
  • Requires a minimum lodgement of €5,000
  • Minimum lodgement of €5,000.
  • Withdraw money by giving 31 days notice.
  • Sole account only.
  • Online banking
Limited AccessMedium-Term: Save for goals 1 to 3 years, like a house deposit.

*Annual Equivalent Rates (AERs) are quoted on a 365 days calendar.

**Terms are calculated in weeks.

***Interest rates and Mortgage Bonus Interest are subject to Deposit Interest Retention Tax at the prevailing rate.

Explore more options


Child Account

Save on behalf of children under 18.

Currency Deposit

If you need a currency other than Euro.

Investment product

For longer term savings you may be better suited to.