Top European term deposit rates for Irish residents

Explore Europe: 1000+ banks with competitive deposit rates

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€100,000 protected investment - secure funds with EU deposit guarantee

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In partnership with

Special offer
Protected up to €20K
Free maintenance
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FREEDOM24

Cyprus

Up to

7.95%

Annual fee

Free

Cashback

No

Daily placement plan (D-account) 4.82% in USD and 3.17% in EUR

Long term placement plan up to 7.95% in USD and up to 5.23% in EUR

No limit on the maximum deposit amount

Daily income accruals

You can transfer money to your trading account at any time

Early withdrawals without penalties

Read about deposit guarantee schemes

Savings up to €100 000 are protected by the EU legislation

Partner deposits available online

Sponsored deposits with the best interest rates available online

Protected up to €100k
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Bank of Ireland

Ireland

3.00%

12mths,

Protected up to €100k
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EBS

Ireland

3.00%

12mths,

Protected up to €100k
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AIB

Ireland

3.00%

2years,

Protected up to €100k
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Teachers' Union Of Ireland Credit Union Limited

Ireland

3.00%

5years,

Protected up to €100k
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Bank of Ireland

Ireland

2.96%

2years,

Protected up to €100k
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Teachers' Union Of Ireland Credit Union Limited

Ireland

2.67%

3years,

Protected up to €100k
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AIB

Ireland

2.50%

12mths,

Protected up to €100k
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Bank of Ireland

Ireland

2.50%

12mths,

Protected up to €100k
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AIB

Ireland

1.50%

6mths,

Protected up to €100k
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Bank of Ireland

Ireland

1.50%

6mths,

Combat Inflation, Boost Savings

For Irish citizens aiming to shield their savings from inflation and grow them risk-free, the choice extends beyond local banks. European banks offer an attractive alternative for term deposits.

Why Look Beyond Irish Banks?

While Irish banks provide fixed-term deposits, their interest rates are often modest. This has led many Irish savers to explore options abroad for better returns.

EU Deposit Guarantee Scheme: Your Safety Net

Under the EU's Deposit Guarantee Scheme (DGS), Irish citizens enjoy protection for their deposits up to €100,000. This applies even in cases of bank bankruptcy or financial distress, offering peace of mind with foreign savings products.

Europe-Wide Deposits: Higher Rates, Equal Protection

By opening term deposits across Europe, Irish savers benefit from higher interest rates and receive the same level of protection as with Irish banks.

PickTheBank: Your Free Path to Global Savings

With PickTheBank, discover the best foreign term deposits effortlessly. It's a perfect solution for Irish citizens looking to expand their savings horizons abroad.