Personal Deposit Account Calculator

With so many great options on offer, it can be difficult choosing the account which best suits your requirements. But with our simple Savings Calculator you can easily compare the range of terms and rates of return for each account.

What interest will I earn?

Compare the rates of our Savings Accounts here. Simply enter the balance that you would like to deposit and our Savings Calculator will show you the rate of return and terms for each of the accounts we offer. From there, you can choose the account which best suits your savings requirements and go on to apply. For more detail on the account, please refer to the Account Information Page. All accounts are subject to a minimum balance of €3,000 (£2,000).

Interest is subject to Deposit Interest Retention Tax (DIRT) where applicable. Terms & Conditions apply.

What is DIRT? This is a tax paid on any interest earned in respect of a deposit with a financial institution (standard rate of DIRT is subject to change. Check out for current rate). The Bank deducts DIRT from the interest it pays to customers and forwards it to the Revenue Commissioners. There are certain exceptions where customers may be exempt from paying DIRT. Check out for more information.

Terms & Conditions

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 for Euro accounts is calculated on a 360 day basis but paid on a 365 day basis. Interest on Sterling accounts is calculated and paid on a 365 day basis. In the case of Fixed Term Accounts interest is paid at the end of the term or as specified by the account Terms & Conditions. 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.Interest is paid by Electronic Funds Transfer (16 Days after receipt of cleared funds by KBC Bank Ireland). In the case of the Top-Up Deposit Account, there is one lodgement and one withdrawal of up to 25% of the original amount deposited during the term permitted. No further lodgements or withdrawals are permitted from the account during the term. In the case of Demand Deposit Accounts interest is added twice-yearly. In the case of a Smart Access Demand Account interest is added annually in December. Gross interest quoted is correct as at 28th November 2019 and subject to availability. Sterling rates are correct as at 28th November 2019 and subject to availability. All accounts are subject to a minimum of €3,000 (£2,000).

**Where applicable, 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 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 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 customers (please refer to Terms and Conditions for full details).