Savings Interest Rates
Rates applicable from 19th September 2023
* A.E.R is the annual equivalent rate. Rate quoted is variable. Interest is subject to D.I.R.T at the prevailing rate (for more information see www.revenue.ie). Terms and Conditions apply. Interest is calculated on a 365-day basis.
EBS Instant Access Account
No minimum opening balance. Learn more about the Instant Access Account.
| Balance | Gross Rate % | A.E.R. % |
| Balance up to €19,999 | 0.25 | 0.25 |
| €20,000 to €99,999 | 0.25 | 0.25 |
| €100,000 + | 0.25 | 0.25 |
EBS MoneyManager
Minimum Opening Balance €0.01. Learn more about the Money Manager Account .
| Balance | Gross Rate % | A.E.R. % |
| Balance up to €19,999 | 0.00 | 0.00 |
| €20,000 to €99,999 | 0.00 | 0.00 |
| €100,000 + | 0.00 | 0.00 |
EBS Children’s Savings Account
Minimum Opening Balance €1 – Maximum Balance of €5,000.99. Learn more about the Children’s Savings Account.
| If your balance is | Gross Rate % | A.E.R. % |
| €0.01 - €5000.99 | 2.50 | 2.51 |
| €5001+* | 0.25 | 0.25 |
*If your balance is more than €5,000.99, we will give you the lower interest rate on all the money in the account. The interest rate on the account is variable. That means the interest rate changes from time to time.
EBS Teens Savings Account
Minimum Opening Balance €1 – Maximum Balance of €5,000.99. Learn more about the Teen Savings Account .
| If your balance is | Gross Rate % | A.E.R. % |
| €1 - €5000.99 | 2.50 | 2.51 |
| €5001+* | 0.25 | 0.25 |
*If your balance is more than €5,000.99, we will give you the lower interest rate on all the money in the account. The interest rate on the account is variable. That means the interest rate changes from time to time.
EBS Family Savings Account
The interest rates are fixed for a 12-month period. We calculate interest on the account balance each day and we’ll put it into your account at the end of the term.
Year 1: One-off account opening lodgement from €0.01 to €1,000. Minimum monthly payments by standing order of €100 up to a maximum of €1,000 are required. The interest rate that applies during Year 1 is the interest rate when the account is opened.
After Year 1: You can top up your account with up to €50,000, as well as continuing with your monthly payments. The applicable interest rate is the ‘After Year 1’ rate when the previous term ends and when the new 12-month term starts.
| Term | Balance | Gross Rate % | A.E.R. % |
| Year 1 | All Balances | 3.00 | 3.00 |
| After Year 1 | All Balances | 1.25 | 1.25 |
Savings Interest Rates for Accounts no longer available to open
EBS Diamond Account
Subject to DIRT (where applicable) Interest Rate is variable and is subject to change. Terms and Conditions apply. Interest is calculated on a 360-day basis.
| Balance | Gross Rate % | A.E.R. % |
| Up to €100,000 | 0.01 | 0.01 |
| €100,000 + | 0.01 | 0.01 |
EBS Fixed Accounts
Max Aggregate balance €500,000
Please see the EBS Fixed Accounts Terms and Conditions here.
| Term | Gross Return % | A.E.R. % |
| 1 week | 0.25% |
0.25% |
Important Information
All rates on this document are subject to change and do not form the basis of a contract.
Savings terms and conditions apply.