Best Regular Savings Account

Finding the Best Savings Accounts. The best savings accounts are those which grow your money, give you the freedom to do with it as you like and don’t cost a lot to maintain. At SmartAsset, we analyzed many different savings accounts to find the top overall options, as well as others which are the best for people in specific situations. The base interest rate for savings accounts are pretty low, starting from 0.05% p.a. Banks have promotions whereby they offer bonus interest rates on savings accounts if you meet certain conditions. Depending on the savings account and the promotion, you can earn up to 4.25% p.a. In your savings account.

Updated February 17th 2021

A Regular Saver Account is the perfect way to get into the habit of saving regularly. If you’re saving for a holiday, special event, or just a rainy day, a Regular Savings Account is ideal and they usually offer higher interest rates than most normal deposit accounts.
Most regular saver accounts will have specific rules on how much you can lodge into the account.

Regular Savings Accounts in Ireland – The best Rates available.

State savings Instalment Savings0.63% Tax-Free (equivalent to 0.94% on a taxed account) (Min €25 max €1000 per month)
BUT – you must keep the account for 6 years otherwise rate is just 0.05%.
Ulster Bank Special Interest Deposit – 0.85% .Min €1 max €1000 per month. Max €12000
KBC Extra Regular Saver0.55%. Min €100 Max €1000 per month. (You also have to have a KBC Extra Current Account to get this rate.
BOI Goalsaver Account – 0.25%. Min €20 Max €2000 per month. Max balance €14999
PTSB Online Regular Saver 0.2% max €1000 per month/€50,000 total.
AIB Online Saver 0.1% Min 10 euro per month, max 1000 euro per month. (Rate is For 1st Year Only)
EBS Family Savings 0.1% (fixed – 1st year only) Min opening deposit €1 maximum €1,000. . Monthly direct debit of between €100 and €1,000 required. Max Bal 13k. Two withdrawals a year allowed.

With interest rates so low – many people are investing some of their savings into shares. If you are thinking of investing in shares – take a look at our page about Buying Shares in Ireland

More Interest Rates

Best Instant Access Deposit Rates
Best 1 Year Fixed Deposit Interest Rates
Best Rates on Fixed Terms Up To Five Years

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Savings made simple with Chase Savings℠

This account makes it easy to start saving. You’ll have access to chase.com and our mobile banking tools.

Open account

Benefits of Chase Savings℠

Earns interest. See interest rates.
Automatic Savings Program
Online and mobile banking
Account Alerts
Access to 16,000 ATMs and more than 4,700 branches
FDIC insurance protection

Account details include:

$5 monthly service fee or $0 with one of the following, each monthly statement period:
- A balance at the beginning of each day of $300 or more in this account
- OR $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile^®)
- OR a Chase College Checking℠ account linked to this account for Overdraft Protection
- OR an account owner who is an individual younger than 18
- OR a linked Chase Better Banking^® Checking, Chase Premier Checking℠, Chase Premier Plus Checking℠, Chase Sapphire℠ Checking, or Chase Private Client Checking℠ account

Savings Withdrawal Limit Fee: $5 Savings Withdrawal Limit Fee, which is a Chase fee, applies to each withdrawal or transfer out of this account over six per monthly statement period. All withdrawals and transfers out of this account count toward this fee, including those made at a branch or at an ATM.

Other miscellaneous fees apply.

See Account Disclosures and Rates for more information. Account subject to approval.

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