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Special Interest Deposit Account - Overview

Get into a healthy savings habit with an instant access regular savings account.

We’re committed to making banking easier for you…. That’s why, whatever your savings goal, we offer a simple and flexible way to build your savings.

Our Special Interest Deposit Account enables you to save today for your tomorrow. So, whatever your savings goals - your child's education, a deposit for a home, holiday or just a rainy day – this could be the account for you.

  • Save regularly - set up a standing order from €1 per month to a maximum of €1,000 every month.
  • Easy access – access your funds whenever you need to with no penalties*.
  • Flexibility - you can change the amount you save without incurring any penalties or charges.
  • Keep track of your savings – manage your account 24/7 with Anytime Banking *
  • Minimum balance - €1.
  • Maximum balance - €100,000.
  • Annual interest - calculated daily and credited to the account in October.

You can open the account online in less than 10 minutes.

Even less if you’re registered for Anytime Banking as we’ll
pre-fill part of the application for you.

All returns are subject to Deposit Interest Retention Tax (DIRT). Under current legislation, the effective DIRT rate is 41%.

Gross is the interest rate paid before the deduction of tax.

Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.

Anyone aged 18 or over and resident in the Republic of Ireland can open a Special Interest Deposit account. Terms and Conditions apply .

You can make a sole or joint application online.

*You are required to register for Anytime Banking to be able to access your funds and manage your account online or over the telephone. If you do not register for Anytime Banking you can manage your account through the branch network. Transfers to an account at other ROI banks or building societies, either online or over the phone, are subject to a daily limit of €13,000. If you wish to transfer more than this amount please contact Anytime Banking on 1850 424 365† to discuss the options available to you.

†In order to maintain the highest levels of service, we may record and monitor telephone calls.

Apply online


Call 1800 303 004

Lines are open:
8:30am - 7:30pm Mon - Fri
9am - 2pm on Saturday
(excl. bank holidays).

Calls may be recorded.

Request a call back

Note: The earliest we can
call you back is the next
working day and will be between:
Mon - Fri 8:30am - 7:30pm
(excl. bank holidays).

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