Personal Deposits

 

Saving for that special occasion, a holiday of a lifetime, extra space, or just for a rainy day? Whatever you're dreaming of, our wide range of saving options can get you there.

New Personal Deposit Account

Field Information
2nd Applicant's Info
 

Smart Access Demand Account

  • Interest rate 0.59% (0.60% AER) Variable
  • Minimum balance is €3,000
  • Maximum balance is €100,000^
  • Funds available when you need them
  • Interest is added annually on 31st December

ˆOnce the account balance (including interest added) exceeds €100,000 the entire balance will earn interest at the Standard Demand Deposit Account rate. You may only open one Smart Access Demand Account in your sole name. In addition, you may open a Smart Access Demand Account jointly with another Customer.

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Standard Demand Deposit Account

  • Minimum balance is €3,000
  • Funds available when you need them
  • Interest is paid twice yearly in March and September
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Interest Upfront Savings Account

  • Interest rate 0.60% (0.60% AER) Variable
  • Interest is paid upfront – 16 days after you have set up the account and we have received your cleared funds
  • 12 month fixed term
  • Interest rate is fixed for the term
  • Minimum balance is €3,000
  • Maximum balance is €1,500,000
  • Withdrawals are only permitted at end of term
  • Interest is automatically paid by electronic transfer to an account specified by you

* If you invest in an Interest Upfront Savings Account, you will not have access to your money for the duration of the term. Interest is paid by Electronic Funds Transfer (16 Days after account set up and receipt of cleared funds by KBC Bank Ireland).

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Standard Fixed Rate Account

  • You can choose a term from 1-48 months
  • Interest is fixed for the term
  • Minimum balance is €3,000
  • Interest is paid at the end of the term
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Fixed Rate Account (with withdrawal)

  • Interest rate 0.59% (0.60% AER) Variable
  • 12 month fixed term 
  • Interest rate is fixed for the term
  • Minimum balance is €3,000
  • You can make one withdrawal of up to 25% during the term**
  • Interest is paid at the end of the term
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Terms and conditions

* The Gross Return Rate is the indicative rate of gross interest (before DIRT) that will be paid to the customer based on the length of the time the funds are in the account.
 
** For Euro Fixed Rate Accounts with withdrawal one withdrawal of up to 25% during the term is permitted (No further 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.
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 subject to Deposit Interest Retention Tax (DIRT) where applicable. Interest is paid at the end of the term or as specified by the account terms. Interest on Euro Accounts is calculated on a 360 day basis but paid on 365 day basis. Interest on Sterling accounts is calculated and paid on a 365 day basis. Rates effective from 28th October 2016.

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.