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¹ Allows for one lodgement and one withdrawal of up to 25% of the original amount deposited during the term. No further lodgements or withdrawals are permitted from the account during the term. If you make a withdrawal from the account before the end of the term, the amount of interest earned will be less than if the deposit had been left intact for the full duration of the term.
The Top-Up Deposit Account offers the benefit of a 12 month Fixed Rate, with the flexibility to make one additional lodgement or withdrawal of up to 25% of the original amount deposited during the term. So, if you are looking for the benefit of a fixed rate of return but require flexibility, look no further than our Top-Up Deposit Account.
Interest is subject to Deposit Interest Retention Tax (DIRT) where applicable. Terms and Conditions Apply.
AER means Annual Equivalent Rate and shows what the interest rate would be if the interest was compounded and paid each year (instead of monthly or over any other period). Interest is paid at the end of the term. Interest is calculated on a 360 day basis but paid on 365 day basis. Rates effective from 2nd February 2015.
The Top-Up Deposit Account does not permit any access to funds prior to the maturity date, other than that already permitted within the account Terms & Conditions. In exceptional circumstances, KBC Bank Ireland may at its sole discretion and subject to reasonable conditions permit a withdrawal from an account before the maturity date in addition to the existing withdrawal facility.
Unless the Bank receives instruction(s) from you on or before the maturity date, the full balance in the account will be reinvested in a similar fixed term product at the prevailing interest rate for that product on that date. If on the maturity date there is no similar fixed term product available, the full balance in the account will be reinvested in our Standard Demand Deposit account earning the then prevailing Standard Demand Deposit Account interest rate.
For new deposit accounts opened from 23rd February 2015 onwards, full details of the Terms and Conditions can be found here.
For existing customers, deposit accounts opened prior to 23rd February 2015, full details of the Terms and Conditions can be found here.
The deposit calculator allows you to calculate the return or estimate the likely interest amount that you may earn on a deposit account, please note that such quotation is for illustrative and guidance purposes only, is non binding and is subject to change. No quotation or estimate shall be capable of acceptance unless and until KBC Bank Ireland plc has, on receipt of a deposit account application form and all other necessary documentation, opened a deposit account in the name of the customer and the customer has made a lodgement into the deposit account. The rate of interest applicable to the deposit account shall be advised to the customer on the opening of the deposit account. This deposit calculator is applicable for personal and business customers (please refer to terms and conditions for full details).