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Demand, Notice and Fixed Deposit Rates

Regular Saver Accounts
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EURO DEPOSIT RATES

For the very best deposit rates, click here.

We are authorised agents on all savings and deposit products for Anglo Irish Bank plc, Investec Bank and Permanent TSB. Their rates are among the best available in the Euro or Sterling market.

Most of the banks in Ireland offer well under 1% interest rates on ordinary deposit accounts whereas you could obtain at least 4.75 % & 5% on even small sums on 30 days notice accounts / 1 year fixed (see below) through this office.

INVESTEC BANK

  • South African bank set up in 1974.
  • 6th largest bank in Central Bank of Ireland rankings.
  • Personal and Corporate deposit accounts.
    • 4.89% (5.00% Annual Equivalent Rate – 30 days notice)
    • must initially invest for 3 months
    • minimum investment € 50,000
    • 20% available on demand
    • NO MAXIMUM for either personal or corporate
    • internet access
    • ALSO 1 YEAR FIXED ACCOUNT – 5%

Contact Stephanie Cahill - +353 1 278 5555 (scahill@moneydoctor.ie)

SAVERS’ NOTE

Anglo Irish Bank plc offer a deposit account called The Regular Saver Account for those former SSIA holders who wish to continue the savings habit:

  • 2 year term.
  • minimum monthly investment € 100.
  • maximum monthly investment € 1000.
  • Interest Rate: 7%.
  • can stop the lodgments at any time but must wait the two year term - meanwhile you still will attract the 7%  rate irrespective of stopped payments.
  • must be standing order from your own bank account.
  • if early withdrawals, account will be swapped into a demand account.

Call this office for the relevant forms to be sent to you to open this account through us.

Anglo's Easy Access Personal Deposit Account (On Demand) – 4.5%

  • All funds can be withdrawn on demand.
  • Minimum investment is €1.

30 Day Notice Personal Deposit Account – 4.75% (best branch and  internet account rate)

maximum deposit €1,000,000.

Anglo Irish Bank also offer businesses:

  • A special SME (small to medium size business ) demand deposit account – withdrawals at any time.
  • Offering  4.4% pa (1 month fixed rate but access on demand).
  • Minimum € 500,000 and no maximum.
  • All funds can be withdrawn on demand.

Short term fixed rates (personal)

Term

€ 2K+


3 months 4.88%
6 months 4.90%
1 year 5.00%
3 year 13.13% (Compound Annual Rate 4.28%)

Interest is calculated daily and added to the account on final maturity.

MEDIUM - LONG TERM FIXED RATES

Please call this office for any quotations in this sector. All the above rates quoted are as at 8th May 2008

STERLING DEPOSIT RATES

Anglo Irish Bank plc still maintain their 1 month fixed Sterling Account for personal funds only -  the 1 MONTH rate is the best available ... 5.38 % 

  • GB£2,000 minimum.
  • 100% capital security.
  • GB£1,000,000 maximum.
  • Interest rate fixed each calendar month.
  • Interest credited on 31st December each year.
  • No income option available.
  • Statements issued annually in January of each year. 
Warning: This service may be affected by changes in currency exchange rates.

IRISH LIFE & PERMANENT PLC  

The latest to enter the intermediary deposit market - they offer a special 30 day notice account at 4.75%  while their bank deposit rates are :  

Short / Medium Term Investments

Notice 7

Balance Gross Rate CAR
€0-€2,999.99 0.50% 0.50%
€3,000-€4,999.99 1.40% 1.40%
€5,000-€49,999.99 2.05% 2.05%
€50,000 + 2.30% 2.30%

21 Day Notice Investment Deposit

Balance Gross Rate CAR
€0.01-€999.99 0.60% 0.60%
€1,000-€25,000.99 4.50% 4.50%
€25,001 + 1.50% 1.50%

21 Day Notice Regular Savers

Balance Gross Rate CAR
€0.01-€25,000.99 5.50% 5.50%
€25,001.00 + 1.50% 1.50%

Medium / Long Term Investments

Fixed Term Deposits

Band Gross Rate CAR
30 Days 3.65% 3.71%
60 Days €5,000 - €124,999.99 3.825% 3.89%
60 Days €125,000 + 4.50% 4.59%
90 Days 4.00% 4.06%
6 months 4.20% 4.24%
1 Year 4.25% 4.25%
2 Years 8.65% 4.24%
3 Years 12.75% 4.08%
4 Years 17.00% 4.00%
5 Years 21.75% 4.01%

Note: A minimum of €5,000 is required to open a fixed rate deposit account. CAR is Compound Annual Rate

For deposit queries, please call Ms Stephanie Cahill (senior executive administrator) in this office - +353 1 278 5555 or scahill@moneydoctor.ie.


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Contact Money Doctor
Providence House,
Lower Kilmacud Road,
Stillorgan, Co. Dublin
Ireland
Tel: +353 1 278 5555
Fax: +353 1 278 5556
eMail: info@moneydoctor.ie