Request a call back from your local savings advisor. They’ll be happy to meet you for a chat or answer any questions you have
— EASY TO SAVE AND ACCESS —
No timeframe to deposit or withdraw the cash
Want to have your cake and eat it too? Of course you do. And you can, with our instant access account. That’s because you can save for as long as you like, and access your money any time you want. It will be there for you for any family event that comes along (big or small) – whether that’s a broken boiler or a much needed holiday (we’re not judging).
— AT A GLANCE —
What we offer
Easy access to your savings
Our instant access account is designed to enable account holders to save while also allowing instant access to your savings at our offices
Easy to manage
You can use online banking to pay bills quickly and securely by setting up beneficiaries/payees and to keep track of your accounts.
Flexible saving
You can lodge and withdraw money as often as you like
Opening balance
There is no minimum opening lodgement
No fees or charges
No maintenance or transaction fees apply for this account but there may be other service charges. For details click here
What you need to know
This account is for personal customers only and can be opened in sole or joint names.
Maximum of two accounts per customer, including both sole and joint accounts. Maximum combined balance you can hold in your EBS Instant Access Account(s) is €500,000.
Standing orders, direct debits or external payments are not permitted on Instant Access accounts opened after 1 January 2016 (except standing orders to other EBS accounts and direct debit to any EBS mortgage account).
- Bills can be paid by setting up beneficiaries/payees through online banking (Your Accounts Online). For details click here
- Interest rate is variable and where applicable, interest is calculated daily and paid into your account half yearly in June and December.
- The General Terms and Conditions for EBS Demand Accounts applies to the EBS Instant Access Account which also has its own Specific Terms. Please read our terms and conditions of instant access account here and demand accounts here.
— FAQ —
Got some questions?
Find answers to some of the frequently asked questions
By bringing the documents we need with you, you’ll save time and have your new account opened in no time. Whether you are a new or existing EBS customer, to open a new savings account you will be asked to provide:
Personal identification documentation – such as a valid passport or valid driver’s licence. You must bring an original, not a copy.
Proof of your permanent address – for example, a current utility bill, dated within the last six months (Gas, ESB, landline phone), bank statement, motor or home insurance renewal document. Again, documents must be originals.
Proof of your PPS number
Withdrawals may be made from the account as set out in the general terms and conditions for our demand accounts. If the account was opened before 1st January 2016, then from that date, payments can be made from the account by standing order, direct debit or credit transfers to beneficiaries authorised before 1st January 2016. If the account was opened after 1st January 2016, payments cannot be made from the account by standing order or direct debit except for:
(a) standing orders to any other EBS account; or
(b) direct debits to any EBS mortgage account
Need more support?
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).