Savings Accounts

Have you looked into savings accounts yet? Saving is vital in order to ensure that you and your closest family have money aside when it is needed the most. Whether you want to save money for your children's futures (college fees, school fees, a wedding, their first car) or if you need to set something aside for a rainy day, there are plenty of excellent options available to you. Many people are wary of risk when it comes to saving – with a standard savings account, your money will be safe and sound. It will sit in a secure account, gather interest and be ready for you when you need it. There are lots of account types, some with fixed interest rates and others with more flexible terms. Use the tabe below to compare savings accounts to get the account which best suits you.

If you wish to speak to someone: Contact Us or Enquiry Line: +353 7 66060078

COMPANY	ACCOUNT ACCOUNT Account name	TYPE TYPE Account type	INTEREST APY INTEREST APY Annual Percentage Yield	INTEREST GROSS INTEREST GROSS Gross interest is the annual rate of interest which is paid without the deduction of lower rate tax to eligible individuals and certain organisations	PAID PAID How often interest is paid on account	ACCESS ACCESS How account can be accessed	MIN INCOME MIN INCOME Minimum amount in account	CONDITIONS CONDITIONS Conditions for investor	WITHDRAWAL ACCESS WITHDRAWAL ACCESS Where you can withdraw money from	FEATURES FEATURES Account features	MORE INFO
Bank of Ireland 6 Month Introductory Fixed Term Reward Account	Bank of Ireland 6 Month Introductory Fixed Term Reward Account	Savings Account	3.43%	3.43%	Daily	N/A	€10,000	Over 18 only	6 months	Features Free Banking: Debit Card: Cheque Guarantee Card: Standing Orders: Direct Debit: Overdraft Facility: Account Manager: Fixed term rate of 3.43% EAR fixed (1.70% 6 month fixed term rate) when you deposit any amount from €10,000 to €500,000 for a 6 month fixed term. This rate is fixed over the term and is available for new funds to Bank of Ireland Group
	Bank of Ireland are offering a great rewards savings account. Get a fantastic fixed term rate of 3.43% EAR fixed (1.70% 6 month fixed term rate) when you deposit any amount from €10,000 to €500,000 for a 6 month fixed term. This rate is fixed over the term and is available for new funds to Bank of Ireland Group. Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand what you are purchasing. If you have any questions contact their customer support team. DETAIL INFORMATION >>										Services Services 1.Fixed term rate of 3.43% EAR fixed (1.70% 6 month fixed term rate) when you deposit any amount from €10,000 to €500,000 for a 6 month fixed term. Advantages Advantages 1.Earn a fixed term rate of 3.43% EAR fixed (1.70% 6 month fixed term rate) provided withdrawal conditions are met 2.Make a single lodgement only. Minimum lodgement €10,000, maximum €500,000 3.If you withdraw any funds during the term, a lower default interest rate of 1.00% gross (1.00% EAR) will apply to the account for the entire term. Disadvantages Disadvantages 1. Minimum amount €10,000 2. 6 month deposit

If you wish to speak to someone: Contact Us or Enquiry Line: +353 7 66060078

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Compare Savings Accounts

Whatever you want to save for make sure you choose the right savings account.

The importance of saving and putting money into a savings account

People put money away for any number of reasons. You might want to save for something in specific like a house, car, a holiday or wedding, your children’s future. It could be that you want to put some money way so you are covered should anything unexpected happen like you lose your job or need to pay for emergency home or car repairs. If you want to put money aside then a savings account is where you can safely put your money, where it will earn interest over time. Savings accounts are bank accounts that people use, first and foremost, for keeping excess money safe. Savings accounts are a really easy way of growing your personal fortune and there is little risk involved.

The interest rates on savings accounts

One of the most important factors to consider is the interest rate that you will earn on your money and this should be priority. You need to shop around for a savings account that offers the best interest rates. Think about whether you want a fixed interest rate or if you don’t mind for it to vary. You may also be given the decision as to whether you want the interest paid monthly or annually.

Banks offer a wide range of savings accounts. The main differences between them are how quickly you can get at your money, the minimum amount required to keep the account open and the type and rate of interest paid. Many credit unions offer savings accounts, where you can pay money in and take money out. You can also have your benefits or wages paid straight into some Credit Union accounts. Some Credit Unions offer budgeting accounts, where you pay in a set amount each week/month and they then pay agreed household bills as they become due. A few Credit Unions now also offer current accounts.

Finding the right account for your money

You need to find an account that suits you so you will get the most out of your money. When choosing an account consider firstly how much you want to save for, for how long and how much money you can afford to save on a monthly basis. Also watch out for any fees for using the account as some providers may charge you for withdrawing cash from a cash machine or an annual fee just for using the account. Make sure you compare different savings accounts before you decide on the right one for you. Use the table above to help you.