Compare Saving & Deposit
Accounts
Compare Saving & Deposit  Accounts

If you have read over our Introduction Guide and have now decided to save rather than invest, you now need to choose the savings account that matches your needs. Do you want to be able to withdraw cash from the account anytime, anywhere? Or is a high interest rate more important to you than flexibility?  Use our comparison table to compare the ways you can save.

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Compare Savings and Deposit accountsCompare Savings and Deposit accounts

ProductseSaverFlexible Savings AccountJunior SavingMidas GoldFixed Term Deposit
 
DescriptionA savings account with a 'reward' interest rate for those months when you don't withdraw. A savings account which offers an attractive interest rate and provides flexibility and instant access to funds.A savings account with an attractive interest rate for children aged 0-16A savings account for the over fifties which provides instant access to funds at an attractive rate.A deposit account with a fixed rate of interest. If you open and manage a Fixed Term Deposit in eBanking you will receive a better rate of interest compared to opening it in a branch.
Interest*Reward rate paid when no withdrawals in a calendar month. Active rate paid when any withdrawal made in a calendar month. Flat rateTiered interest ratesTiered interest ratesFixed tiered interest rates
WithdrawalsInstant accessInstant accessInstant accessInstant accessWithdrawals can normally only be made on maturity date. If you need to make a withdrawal or close the account before the end of the fixed term then you can apply to do so. We will normally only agree to such a request in special circumstances and an early withdrawal charge, calculated at the time of the withdrawal, will apply. Although the capital is guaranteed, these changes may reduce the initial deposit amount.
AmountMinimum deposit €1 Maximum balance €100,000No maximum balanceMinimum deposit €1; Maximum opening deposit €5 000; No maximum balanceNo minimum or maximum amountsMinimum balance €2,000; maximum balance €2,000,000
Pre-requisitesPersonal customers aged 18 years or over. Customer must have eBanking or telephone banking to operate account.Personal customers aged 18 years or over.Children aged 0-16 (accounts opened for children under the age of 7 are opened under trust). Personal customers or non-customers aged 50 years or over.New or existing personal customers aged 18 years or over
DepositsElectronic Transfers and Standing OrdersLump sum or standing orderLump sum or standing orderLump sum or standing orderLump sum
AccessVia eBanking or telephone banking Via branch, telephone or eBankingBranchVia branch, telephone or eBankingVia branch, telephone or eBanking
 
*All returns are subject to Deposit Interest Retention Tax (DIRT)

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Danske Bank A/S (trading as National Irish Bank and NIB) is authorised by The Danish FSA in Denmark and is regulated by the Central Bank of Ireland for conduct of business rules. Registered Branch in Ireland Number 905623. Registered Office: 3 Harbourmaster Place, I.F.S.C, Dublin 1. Registered office in Denmark: 2-12, Holmens Kanal, DK-1092, Copenhagen K, Denmark. Details of all Danske Bank A/S directors can be viewed at its registered offices. Danske Bank A/S Irish branch trades as National Irish Bank and NIB. Danske Bank A/S is a plc registered in Copenhagen, CVR-no. 61126228, at the Danish DCCA.

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