Savings Interest Rates

Rates last reviewed 24th March 2018

*A.E.R is the annual equivalent rate. Rate quoted is variable. Interest is subject to D.I.R.T at the prevailing rate (for more information see www.revenue.ie). Terms and Conditions apply. Interest is calculated on a 365-day basis.

EBS Instant Access Account

Minimum Opening Balance €0.01 – No Maximum Balance

Balance Gross Rate % A.E.R.%
Balance up to €19,999 0.01 0.01
€20,000 to €99,999 0.01 0.01
€100,000 + 0.01 0.01

EBS Moneymanager

Minimum Opening Balance €0.01 – No Maximum Balance

Balance Gross Rate % A.E.R.%
Balance up to €19,999 0.00 0.00
€20,000 to €99,999 0.00 0.00
€100,000 + 0.00 0.00

EBS High Yield Access Account

Minimum Opening Balance €100,000 – No Maximum Balance

Balance Gross Rate % A.E.R.%
€100,000 to €249,999 0.05 0.05
€250,000+ 0.05 0.05

EBS 40 Day Notice Account

Minimum Opening Balance €5,000 – No Maximum Balance

40 Day Notice Gross Rate% A.E.R.%
€5,000 to €24,999 0.05 0.05
€25,000 to €49,999 0.05 0.05
€50,000 to €99,999 0.05 0.05
€100,000 + 0.05 0.05

EBS Children’s Savings Account

Minimum Opening Balance €0.01 – Maximum Balance of €5,000

Balance Gross Return% A.E.R.%
€0 - €5000.99 1.75 1.75
€5001+ 0.01 0.01

EBS Teens Savings Account

Minimum Opening Balance €0.01 – Maximum Balance of €5,000

Balance Gross Return% A.E.R.%
€0 - €5000.99 1.75 1.75
€5001 0.01 0.01

EBS Family Savings Account (Year 1)

Minimum Account Opening Lodgement of €0.01. Maximum Account Opening Lodgement of €1,000. Monthly Payment by standing order of €100 - €1,000 required.

Interest Rate% A.E.R.%
All Balances 1.75 1.75

EBS Family Savings Account (Year 2)

Monthly Payment by standing order of €100 - €1,000 required.

Interest Rate% A.E.R.%
All Balances 0.25 0.25

EBS SureCertificate

Minimum Opening Balance €1,000 – No Maximum Balance

Balance Accumulated Gross Return% A.E.R.%
After 6 Months 0.07 0.14
After 1 Year 0.16 0.16
After 1 Year 6 Months 0.28 0.18
After 2 Years 0.40 0.19
After 2 Years 6 Months 0.53 0.21
After 3 Years 0.67 0.22
After 3 Years 6 Months 0.82 0.23
After 4 Years 1.01 0.25

EBS SureGrowth Account

Minimum Opening Balance €5,000 – No Maximum Balance

Term Gross Rate% A.E.R.%
2 Years 0.51 0.25
3 Years 0.76 0.25
5 Years 1.26 0.25

EBS SureIncome Account

Minimum Opening Balance €5,000 – No Maximum Balance

Term Income Gross Rate% A.E.R%
2 Years Monthly 0.25 0.25
Half- yearly 0.25 0.25
3 Years Monthly 0.25 0.25
Half-yearly 0.25 0.25
4 Years Monthly 0.25 0.25
Half-yearly 0.25 0.25
5 Years Monthly 0.25 0.25
Half-yearly 0.25 0.25

EBS 3, 6, 9 & 12 Month Fixed Term Savings Account

Minimum Opening Balance €10,000 – No Maximum Balance

Term Income Gross Rate% A.E.R%
3 Months All Balances 0.10 0.10
6 Months All Balances 0.10 0.10
9 Months All Balances 0.10 0.10
12 Months All Balances 0.25 0.25

 

Example (For illustration purposes only):

An investment of €100,000 for 9 months (274 days) @ 0.25% annual rate will earn an approximate gross return of €187.67 i.e €100,000 x 0.25% x 274/ 365 = €187.67

 

 

EBS 15 Month Fixed Term Savings Account

Minimum Opening Balance €3,000 – Maximum Balance €500,000

Term Amount Gross Return% A.E.R.%
15 Month €3,000 - €49,999 0.31 0.25
€50,000 - €99,999 0.31 0.25
€100,000 + 0.31 0.25

Savings Interest Rates for Accounts no longer available to open 

EBS Optimise Account

Subject to DIRT (where applicable). Interest Rate is variable and subject to change

Balance Rate% A.E.R.%
All Balances 0.01 0.01

EBS Access 30 Account

Subject to DIRT (where applicable) Variable rate subject to 30 days notice of withdrawal

Amount Rate% A.E.R.%
Balance Up to €5,000 0.01 0.01
€5,000 to €24,999 0.01 0.01
€25,000 to €49,999 0.01 0.01
€50,000 to €99,999 0.01 0.01
€100,000 + 0.01 0.01

EBS Platinum Account

Subject to DIRT (where applicable), Interest rate is variable and subject to change

Amount Rate% A.E.R.%
Up to €100,000 0.01 0.01
€100,000 + 0.01 0.01

EBS Diamond Account

Subject to DIRT (where applicable) Interest Rate is variable and is subject to change

Amount Rate% A.E.R.%
Up to €100,000 0.01 0.01
€100,000 + 0.01 0.01

EBS Call Deposit Personal Sterling Account

Interest subject to DIRT (where applicable)

Balance Gross Rate% A.E.R.%
Up to €100,000 0.03 0.03
€100,000 + 0.03 0.03

Important / Regulatory Notice

All rates on this document are subject to change and do not form the basis of a contract.

Savings terms and conditions apply. EBS d.a.c. is regulated by the Central Bank of Ireland.