Fixed Term Account

Fixed Term Account

EBS Fixed Term Savings Account

Most Irish people are used to waiting– we can wait ages for a bus (and then they all arrive at once), or hours for our other half to get ready. You’ll be happy to know that with EBS Fixed Term Savings Accounts there’s no waiting around to earn interest on your money. You can choose from a range of terms – three, six, nine, 12 or 15 months to best suit your needs.

Read more below, or why not request a call back with your local savings expert? They’ll answer any query you have or meet you for a relaxed chat about your options.

I Want a Quick Return on My Savings

Your account will work for you from the get-go, as you will earn interest from the first day at competitive rates. Our 15-month term gives you access to up to 50% of your money, and with our 12-month term, you can access up to 30% of your money if you need it. Our competitive rates also mean your savings will work hard for you in no time. Interested?  

3, 6 or 9 Month Term

  • There is a minimum opening of balance €10,000, and there’s no maximum.
  • There are no withdrawals or lodgements allowed during the term chosen.
  • No limit to the number of fixed accounts that you can open.
  • The interest rate is fixed, calculated daily and added to your account at the end of the term.
  • At the end of your term, you can withdraw your funds if you need, or you can choose to continue on, full steam ahead for another fixed period. The interest rate applied will be the prevailing rate at that time. If you do not confirm your intentions with regard to the Account prior to each Maturity date these Terms and Conditions will continue to apply to your savings for the same term at the prevailing rate.
  • This account is for Personal and Business customers only and can be opened in sole or joint names. Business Customers should contact their local Office for Business Rates.
  • No maintenance or transaction fees apply but there may be other service charges that apply. For details see EBS Fees and Charges.
  • Check out our Fixed term rates up to 9 months or read our full Terms and Conditions for 3, 6, or 9 Month Fixed Term Accounts here.

12 Month Term

  • There is a minimum opening balance of €10,000, and there’s no maximum. But take note, no further lodgements are allowed.
  • You have one penalty free withdrawal of up to 30%* of the capital invested but no additional withdrawals after this. There’s no limit to the number of fixed accounts that you can open.
  • The interest rate is fixed, calculated daily and added to your account at the end of the term.
  • At the end of your term, you can withdraw your funds if you need, or you can choose to continue on full steam ahead for another fixed period. The interest rate applied will be the prevailing rate at that time.
  • If you do not confirm your intentions with regard to the Account prior to each Maturity date these conditions will continue to apply to your savings for a further 12-month period at the prevailing rate.
  • Please note: For our 12-month account, if a withdrawal is made before the end of term, the interest earned will be less than if the investment had been left intact for the full term.
  • This is available for Personal and Business customers and can be opened in sole or joint names. Business Customers should contact their local Office for Business Rates.
  • No maintenance or transaction fees apply but there may be other service charges that apply. For details see EBS Fees and Charges.
  • Check out our fixed term rates for 12 months, or read our full Terms and Conditions here for a 12 Month Fixed Term Account.

*The 30% penalty free withdrawal applies to Personal Funds only.

Please note both General & Specific Terms & Conditions apply to this account

15 Month Term

  • There is a minimum opening balance of €3,000, and a maximum balance €500,000.
  • No further lodgements are allowed during the term.
  • You have one penalty free withdrawal of up to 50% of the capital invested but no additional withdrawals after this. No limit to the number of fixed accounts that you can open.
  • The interest rate is fixed, calculated daily and added to your account at the end of the term.
  • At the end of your term, you can withdraw your funds if you need, or you can choose to continue on full steam ahead for another fixed period. The interest rate applied will be the prevailing rate at that time.
  • If you do not confirm your intentions with regard to the Account prior to each Maturity date these conditions will continue to apply to your savings for a further 15-month period at the prevailing rate.
  • Please note: For our 15-month account, if a withdrawal is made before the end of the term, the interest earned will be less than if the investment had been left intact for the full term.
  • This account is for Personal customers only and can be opened in sole or joint names.
  • No maintenance or transaction fees apply but there may be other service charges that apply. For details see EBS Fees and Charges.
  • Check out our Fixed term rates for 15 months or check out full Terms and Conditions here for our 15 Month Fixed Term Account.
Please note both General & Specific Terms & Conditions apply to this account

Important / Regulatory Notice

Important information: Account terms & conditions apply.  Interest is subject to Deposit Interest Retention Tax (D.I.R.T.) at the prevailing rate (for more information see www.revenue.ie).