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Any decent interest giving accounts these days?

  • 24-04-2018 7:35am
    #1
    Asus X540L
    Registered Users, Registered Users 2 Posts: 1,468 ✭✭✭


    I was lodging money into AIB's seven day notice savings account however I just realised they stopped giving interest!

    Any decent savings accounts going at the moment?


Comments

  • #2
    Peregrinus
    Registered Users, Registered Users 2 Posts: 26,994 ✭✭✭✭Peregrinus


    Depends on what you regard as "decent".

    KBC will give you 0.3%p.a. for a demand deposit of a lump sum of between 3k and 100k. I don't think any other bank operating in Ireland at the moment will match that.

    You can do better if you can commit to regular monthly savings, rather than a lump sum deposit. Commit to between 100 and 1000 per month, and KBC will give you 2.5% p.a.


  • #3
    dxhound2005
    Registered Users, Registered Users 2 Posts: 21,862 ✭✭✭✭dxhound2005


    Ask About Money has a list.

    https://www.askaboutmoney.com/threads/savings-best-buys.90481/


  • #4
    Geuze
    Registered Users, Registered Users 2 Posts: 14,033 ✭✭✭✭Geuze


    Asus X540L wrote: »
    Any decent savings accounts going at the moment?

    No.

    0.98% net from State Savings is possible, over several years.


  • #5
    Asus X540L
    Registered Users, Registered Users 2 Posts: 1,468 ✭✭✭Asus X540L


    Geuze wrote: »
    No.

    0.98% net from State Savings is possible, over several years.

    That's ****e. Thanks anyway though guys


  • #6
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    1.5% for the 10 year bond, if that helps. Access to the funds with 7 days notice.
    Geuze wrote: »
    No.

    0.98% net from State Savings is possible, over several years.


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  • #7
    Asus X540L
    Registered Users, Registered Users 2 Posts: 1,468 ✭✭✭Asus X540L


    Paris Quaint Caricature wrote: »
    1.5% for the 10 year bond, if that helps. Access to the funds with 7 days notice.

    That after Dirt?


  • #8
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    "Tax Free to Irish residents"

    More blurb on the state savings website


  • #9
    Geuze
    Registered Users, Registered Users 2 Posts: 14,033 ✭✭✭✭Geuze


    Asus X540L wrote: »
    That's ****e. Thanks anyway though guys
    That's 0.98% PA net, by the way.


  • #10
    vg88
    Registered Users, Registered Users 2 Posts: 466 ✭✭vg88


    Say if there was 5K of savings, where would be the best invested? Is it too small to be invested or should it be left at the low rates?


  • #11
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    It depends on your appetite for risk.
    moloner4 wrote: »
    Say if there was 5K of savings, where would be the best invested? Is it too small to be invested or should it be left at the low rates?


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  • #12
    Peregrinus
    Registered Users, Registered Users 2 Posts: 26,994 ✭✭✭✭Peregrinus


    moloner4 wrote: »
    Say if there was 5K of savings, where would be the best invested? Is it too small to be invested or should it be left at the low rates?
    Depends. How long are you willing to lock it up for, or do you require instant access? Are you willing to accept an investment with a risk of volatility, and the possibility of decline in value, in order also to have the possibility of a higher return, or are you looking for something more like a deposit, in which you can always expect to get back at least the amount you invested?


  • #13
    Asus X540L
    Registered Users, Registered Users 2 Posts: 1,468 ✭✭✭Asus X540L


    I'm leaving two and a half in my current account anyway. That'll see me over forty a quarter in charges


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