Which bank to put money in? Best interest rate

Fighting Irish

I have money in EBS, at the mo it is earning 2.1% over 3 months

The maturity date is the 5th of Nov, and i want to find out which banks are giving the best interest at the mo for periods ranging no longer than 1 year

Last year the money was earning i think 4.X% over a 1 year term at EBS, not sure what it stands at now

Advice would be appreciated, Thanks

ps any % i talk about is before DIRT

Ogham

Some of the best instant access rates and 1 year fixed rates shown here.
Looks like 3.75% is about the highest now.

Fighting Irish

Ogham wrote: »

Some of the best instant access rates and 1 year fixed rates shown here.
Looks like 3.75% is about the highest now.

Thanks for the link

Andymfinancial

Here are all the rates in ireland, the first numbers are the rates ie UB is 3.46 and the CAR is 3.5



UB Regular SavingsDemand€13.463.5030/10/09 Anglo Irish Premium Demand A/cDemand€13.103.1014/01/10 Bonus Saver (incl bonus)Demand€100002.973.0030/10/09 NRock DemandOnlineAnnDemand€10003.003.0005/05/09 NRock DemandOnlineMthDemand€10002.752.7805/05/09 F/Act Demand Bonus(incl bonus)Demand€100002.482.5030/10/09 UB UR First SavingsDemand€02.302.3130/10/09 UB ur MoneyDemand€02.302.3130/10/09 NIB Junior SavingsDemand€10002.102.1012/01/09 RaboDirect BusinessSavingsDemand€12.002.0019/01/10 NIB Prestige SavingsDemand€12.002.0023/03/09 ptsb On Call VariableDemand€100002.002.0025/11/09 NRock Direct Saver Dmd AnnDemand€10001.751.7505/05/09 Bonus Saver (excl bonus)Demand€100001.721.7330/10/09 Postbank Premium SaverDemand€100001.551.5504/08/09 NRock Direct Saver Dmd MthDemand€10001.501.5105/05/09 Anglo Irish Easy AccessDemand€01.501.5014/01/10 Postbank Solid SaverDemand€01.501.5026/03/09 NIB EasyPlus SavingsDemand€11.501.5023/03/09 NIB Flexible SavingsDemand€11.251.2506/05/09 UB eSavingsDemand€11.251.2530/10/09 F/Act e-Savings AccountDemand€11.251.2530/10/09 F/Act Demand Bonus(excl bonus)Demand€100001.231.2330/10/09 BOI DualSaver - Lump SumDemand€01.001.0001/09/09 NIB eSaver DemandDemand€11.001.0018/03/09 AIB Instant AccessDemand€01.001.0001/10/09 NIB Midas Gold SavingsDemand€100000.650.6506/05/09 UB Ufirst Savings acDemand€00.250.2530/10/09 BOI Reserve DepositDemand€00.100.1009/04/09 NIB Instant AccessDemand€10.050.0506/05/09 EBS Savings Inst AccDemand€10.030.0301/04/09 UB Esavings Plus (excl bonus)Demand€00.010.0130/10/09 ACC Demand AccountDemand€100000.010.0129/05/09 BOI DemandDemand€00.010.0109/04/09 UB Easy AccessDemand€00.010.0130/10/09 UB Esavings Plus (incl bonus)Demand€00.010.0130/10/09 F/Act Instant AccessDemand€00.010.0130/10/09 Pathway (excl. bonus)Demand€00.010.0130/10/09 Pathway (incl bonus)Demand€00.010.0130/10/09 INBS MoneymakerDemand€00.010.0123/05/09 F/Act Saver Plus AccountDemand€10.010.0130/10/09 AIB DemandDemand€00.010.0101/10/09 F/Act e-savings Plus AccountDemand€10.010.0130/10/09

Andymfinancial

sorry that didnt come out too well! If you want to PM me with the amount i will get best rate over 1yr for you

Pablo Sanchez

Permanent TSB offers 4% on its 21 day notice account.

Ogham

Pablo Sanchez wrote: »

Permanent TSB offers 4% on its 21 day notice account.

....but that is a regular saver account not a lump sum account. You can only put in a max of 1k a month .

www.moneyguideireland

stepbar

Truth be told if its a small amount you'd be better running it through a Halifax current account. At 7% it's the best. T&C's apply of course.

Fighting Irish

stepbar wrote: »

Truth be told if its a small amount you'd be better running it through a Halifax current account. At 7% it's the best. T&C's apply of course.

:eek: 7%

Ogham

stepbar wrote: »

Truth be told if its a small amount you'd be better running it through a Halifax current account. At 7% it's the best. T&C's apply of course.

It's only been 5% since October
The OP has a lump sum - the halifax account is a current account and only pays interest on the first €1500. You have to lodge min €1500 a month into it to qualify. Probably not what the OP is after?

www.moneyguideireland

ClutchIt

Pablo Sanchez wrote: »

Permanent TSB offers 4% on its 21 day notice account.

I have checked this out and yes they are offering the 4% which seems quite good. However, when I use their investment calculator the result is a lot lower for some reason, can anyone explain?

I put in €3000 and it says I will only get back €55.50

With dirt at 25% I still expect it to be €90

WTF?

Investment Calculator here:

https://www.permanenttsb.ie/aboutus/needhelp/calculators/savingscalculators/investmentscalculator/

Ogham

The PTSB calculation is based on the 21 day notice investment account (1.85%) - not the 21 day notice regular saver. It is not listed on the calculator.
You won't get 90 euro because you can only save max 1000 a month - so you wont have 3k in the account straight away. The interest after 1 year will be around 109 before dirt. (81.75 after)

www.moneyguideireland.com

ClutchIt

Ogham wrote: »

The PTSB calculation is based on the 21 day notice investment account (1.85%) - not the 21 day notice regular saver. It is not listed on the calculator.
You won't get 90 euro because you can only save max 1000 a month - so you wont have 3k in the account straight away. The interest after 1 year will be around 109 before dirt. (81.75 after)

www.moneyguideireland.com

OK thanks for this, I thought didn't know it was the saver account not the lump sum offering 4%