Our Personal Deposit Rates

REGULAR SAVER EURO RATES

Regular Saver Account
Product Tiers Interest Rate Gross Return Rate AER
Regular Saver Account1€100 - €1,000 per month0.50%0.50%0.50%

EURO DEPOSIT RATES

Smart Access Demand Deposit Account
Product Tiers Interest Rate Gross Return Rate AER
Smart Access Demand Account2€3,000 - €100,0000.30%0.30%0.30%
35 Day Notice Account
Product Tiers Interest Rate Gross Return Rate AER
35 Day Notice Account2€3,000 - €100,0000.65%0.65%0.65%
Standard Demand Deposit Account
Product Tiers Interest Rate Gross Return Rate AER
Standard Demand Deposit Account<€3,00030.05%0.05%0.05%
€3000 - €1,500,0000.05%0.05%0.05%
€1,500,000.01+0.05%0.05%0.05%
Interest Upfront Savings Account
Term Tiers Interest Rate Gross Return Rate AER
12 Months4€3,000 - €1,500,0000.30%0.30%0.30%
Top-Up Deposit Account: no longer available to new customers with effect from 5th April 2016
Term Tiers Interest Rate Gross Return Rate AER
12 Months5€3,000 - €1,500,0000.20%0.20%0.20%
Standard Fixed Rate Account
Term Tiers Interest Rate Gross Return Rate AER
1 Month€3,000 - €1,500,0000.10%0.01%0.10%
€1,500,000.01+0.05%0.00%0.05%
3 months€3,000 - €1,500,0000.15%0.04%0.15%
€1,500,000.01+0.05%0.01%0.05%
6 Months€3,000 - €1,500,0000.15%0.08%0.15%
€1,500,000.01+0.05%0.03%0.05%
9 Months€3,000 - €1,500,0000.20%0.15%0.20%
€1,500,000.01+0.05%0.04%0.05%
12 Months€3,000 - €1,500,0000.50%0.50%0.50%
€1,500,000.01+0.05%0.05%0.05%
14 Months€3,000 - €1,500,0000.50%0.58%0.50%
€1,500,000.01+0.05%0.06%0.05%
18 Months€3,0000.50%0.75%0.50%
€1,500,000.000.05%0.08%0.05%
36 Months€3,000 - €1,500,0000.50%1.50%0.50%
€1,500,000.01+0.05%0.15%0.05%
48 Months€3,000 - €1,500,0000.50%2.00%0.50%
€1,500,000.01+0.05%0.20%0.05%
Fixed Rate Account (with withdrawal)
Term Tiers Interest Rate Gross Return Rate AER
12 Months6€3,000 - €1,500,0000.30%0.30%0.30%
 €1,500,000.01+0.05%0.05%0.05%

STERLING DEPOSIT RATES

Select Access Demand Account
Product Tiers Interest Rate Gross Return Rate AER
Select Access Demand Account£2,000 - £1,000,0000.10%0.10%0.10%
Standard Demand Deposit Account
Product Tiers Interest Rate Gross Return Rate AER
Standard Demand Deposit Account£2,000+0.05%0.05%0.05%
Standard Fixed Rate Account
Term Tiers Interest Rate Gross Return Rate AER
1 Months£2,000 - £1,500,0000.10%0.01%0.10%
 £1,500,000.01+0.05%0.00%0.05%
3 Months£2,000 - £1,500,0000.15%0.04%0.15%
 £1,500,000.01+0.05%0.01%0.05%
6 Months£2,000 - £1,500,0000.15%0.08%0.15%
 £1,500,000.01+0.05%0.03%0.05%
9 Months£2,000 - £1,500,0000.20%0.15%0.20%
 £1,500,000.01+0.05%0.04%0.05%
12 Months£2,000 - £1,500,0000.40%0.40%0.40%
 £1,500,000.01+0.05%0.05%0.05%

Note: Personal Deposit Rates are correct as of 4th August 2017. 

Business rates are available to Business customers. Please contact us directly for further information on Business accounts & rates. Full details of the Business Deposit Terms and Conditions can be found here

1Once the balance in the Regular Saver Account reaches €50,000 the entire balance, including future Standing Order payments, will earn interest at the Standard Demand Deposit Account interest rate. One Regular Saver Account permitted per individual. You may open one further Regular Saver Account jointly with another Personal Customer.
2 Once the account balance (including interest added) exceeds €100,000 the entire balance will earn interest at the prevailing Standard Demand Deposit Account interest rate. You may only open one Smart Access Demand Account in your sole name. In addition you may open a Smart Access Account with another Customer. You may only open one 35 Day Notice Account in your sole name. In addition, you may open a 35 Day Notice Account jointly with another Customer.
3 Existing customers only.
4If you invest in this 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 receipt of cleared funds by KBC Bank Ireland).AER means Annual Equivalent Rate and assumes that the interest is paid and not reinvested. 
5 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.
6 Allows for one withdrawal of up to 25% during the term. No further withdrawals are permitted from the account during the term.
Interest is subject to Deposit Interest Retention Tax (DIRT) where applicable. Terms & 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 on 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. The Interest Rate illustrates the daily interest payable on the account. 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 time the funds are in the account. The Term is the period of time to which limits have been set. 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. In the case of Demand Deposit Accounts interest is added twice-yearly. In the case of a Smart Access Demand Account and Regular Saver Account interest is added annually on 31st December each year. Sterling rates are correct as at 4th August 2017 and subject to availability. Euro Gross interest quoted is correct as at 4th August 2017 and subject to availability. A minimum deposit of €3,000 is required.
Disclaimer
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.