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Ireland State Savings

All published accounts as of 2026-10-23

AccountTypeTermNotice AERGross equiv.Rate typeInterest paid MinMaxSource
Savings Bonds (DIRT free)* fixed term 36m 7d 1.96% 2.93% fixed Cumulative interest accrues €50 €120,000 link
Savings Certificates (DIRT free)* fixed term 60m 7d 2.29% 3.42% fixed Cumulative interest accrues €50 €120,000 link
10 Year National Solidarity Bonds (DIRT free)* fixed term 120m 7d 2.66% 3.97% fixed Cumulative interest accrues €50 €120,000 link
Ordinary Deposit Account instant access – – 1.25% – variable Annually €1 €250,000 link

* DIRT exempt. Interest isn't taxed, so the gross equivalent shows what a taxable account would need to pay to leave you the same money at 33% DIRT.