Smart Access Demand

  • Interest Rate 0.10% (AER 0.10%) Variable
  • Interest is added annually in December
  • Minimum balance is €3,000
  • Maximum balance is €100,000^
  • Instant access to your savings
  • Unlimited withdrawals

New ​Smart Access Demand Account

Field Information
2nd Applicant's Info
With a great variable rate of interest of 0.10% (AER 0.10%) and instant, unlimited access to your savings without penalty, you can enjoy the best of both worlds.

This product is open to ROI Residents only, or Irish Citizens residing in certain jurisdictions. Please contact us for further information if you are an Irish citizen not resident within the Republic of Ireland.

Terms and Conditions

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.

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.

Interest is subject to Deposit Interest Retention Tax (DIRT) where applicable. 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). Information correct as at 1st October 2019. Rate subject to availability. Terms and Conditions apply.

Read the full details of the Terms and Conditions (pdf, 424 KB)