Historical Savings Rate Trends
Compare savings account rates across Irish banks and EU digital banks
Rates updated: 29 Aug 2025
Average Rate (Ireland)
2.10%
↓ 0.40% from Jan 2025
Highest Available Rate
3.85%
Raisin Partner Bank (1Y Fixed)
ECB Deposit Rate
3.25%
↓ 0.75% from peak (4.0%)
Real Return (After Inflation)
0.75%
CPI: 2.5% YoY (Aug 2025)
Compare Banks (Select up to 3)
AIB
Bank of Ireland ×
PTSB
Revolut ×
N26
bunq
Raisin ×
An Post
Credit Unions
Lightyear
Trade Republic
Interest Rate Trends
| Bank | Product | Current Rate | 1M Change | 3M Change | YTD Change | Min Balance | Tax Treatment |
|---|---|---|---|---|---|---|---|
| Bank of Ireland | Regular Saver | 3.00% | -0.25% | -0.50% | -0.50% | €25-€1,000/month | DIRT 33% |
| Revolut | Instant Access Savings | 3.25% | 0.00% | -0.25% | -0.50% | €1 | DIRT 33% |
| Raisin | 1 Year Fixed (Younited Credit) | 3.85% | 0.00% | -0.15% | -0.40% | €1,000 | DIRT 33% |
| AIB | Online Saver | 1.00% | 0.00% | -0.25% | -0.50% | €1 | DIRT 33% |
| PTSB | Online Regular Saver | 2.50% | 0.00% | -0.25% | -0.50% | €1-€1,500/month | DIRT 33% |
| N26 | Instant Savings | 3.00% | 0.00% | -0.25% | -0.50% | €1 | DIRT 33% |
| Trade Republic | Cash Account | 3.25% | 0.00% | -0.25% | -0.50% | €1 | DIRT 33% |
| Lightyear | Money Market Fund | 3.40% | 0.00% | -0.25% | -0.50% | €1 | DIRT 33% |