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Savings Account Advice

  • 10-06-2014 10:13am
    #1
    AnnieAli
    Registered Users, Registered Users 2 Posts: 2 ✭


    Hi
    I am looking to set up a savings account in the hope of going on the holiday of a lifetime in 3 years time.
    I would be making 3 large deposits and then small amounst at irregular intervals over the 3 years.
    Obviously I would like my savings to gain as much interest as possible for the duration.
    Any advice on any savings accounts out there??
    Would very much appreciate your help.
    Many thanks
    AnnieAli


Comments

  • #2
    JTMan
    Registered Users, Registered Users 2 Posts: 5,558 ✭✭✭JTMan


    Have a read of the best buys here.

    For the 3 large deposits, consider options such as a PTSB 2 year term deposit that pays 2.25%. State Savings will pay 1.32% tax free for 3 years.

    For the small deposits and irregular deposits, consider a PTSB online regular saver account. There is no mandatory min or max per month. There is no term attached. It pays 2.70%. Not the highest rate out there but it is one of the most flexible regular saver products and it might meet your needs.


  • #3
    NewCorkLad
    Registered Users, Registered Users 2 Posts: 961 ✭✭✭NewCorkLad


    You could always open a KBC smart access demand account. It is very flexible lodge money when ever you want, just set u standing order or transfer money. It's currently paying 2% AER


  • #4
    DMcL1971
    Registered Users, Registered Users 2 Posts: 1,444 ✭✭✭DMcL1971


    NewCorkLad wrote: »
    You could always open a KBC smart access demand account. It is very flexible lodge money when ever you want, just set u standing order or transfer money. It's currently paying 2% AER

    Just so that you know, the interest rate on the KBC Smart Access account is going to drop to 1.75% on 25/07/2014.


  • #5
    JTMan
    Registered Users, Registered Users 2 Posts: 5,558 ✭✭✭JTMan


    NewCorkLad wrote: »
    You could always open a KBC smart access demand account. It is very flexible lodge money when ever you want, just set u standing order or transfer money. It's currently paying 2% AER

    The PTSB Online Instant Access account is more flexible and pays 2% AER with no rate change announced.


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