@danmalonemoney: Blind ranking 10 Irish savings accounts from best (1) to worst (10)! 🇮🇪🏦 The difference between a great savings account and a terrible one in Ireland is hundreds of euros in lost interest. Here is how the blind rank turned out: 🥇 1. Bankinter (6-Month Fixed) – 2.72% up to €2M, DIRT tax handled at source, and partial access after 8 weeks. 🥈 2. Trade Republic – Up to 3.04% interest, covered by deposit guarantees, but capped at €50k (and watch out for self-assessed tax!). 🥉 3. Trading 212 – Up to 3.50% rate, but higher tax complexity due to Money Market Funds. 4️⃣ MoCo – Clean 2.10% instant access with zero deposit limits. 5️⃣ Raisin Bank – 3.10% fixed for 3 months, though DIRT isn't taken at source. 6️⃣ Bank of Ireland Supersaver – 3.0% for regular savers (up to €5k/mo across two accounts). 7️⃣ Bunq – 3.01%, but tricky rate caps based on your previous 6-month balance. 8️⃣ Deutsche Badenia – 3.30% fixed for 10 years. Locking cash for a decade without investing it is a mistake. 9️⃣ AIB Online Saver – 3% capped at low monthly limits before dropping to 0.25%, plus €6/mo current account fees. 🔟 10. PTSB Instant Access – A miserable 0.01% interest rate. Avoid at all costs! How would you have ranked these? Drop your top picks in the comments! 👇 👉 Follow for more straightforward Irish money tips!

Dan Malone

Open In TikTok:

Region: ZA

Thursday 20 August 2026 12:00:00 GMT