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Best 12-month fixed term deposit rates in Ireland

Best 12-month rate per provider for a €10,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
Bank of IrelandAdvantage Fixed Term Deposit	2.15%≈ €215 in 12 months	12 months	€5,000 +	Board rate Minimum lodgement €5,000; 25% access during the term; Interest paid at maturity	Go to bank
AIB (Allied Irish Banks)Personal Fixed Term Deposit	2.00%≈ €200 in 12 months	12 months	€5,000 +	Board rate Minimum balance €5,000; AER shown; interest subject to DIRT	Go to bank
PTSB (Permanent TSB)Fixed Term Deposit	2.00%≈ €200 in 12 months	12 months	€5,000 +	Board rate Minimum balance €5,000; AER column shown (the gross column is the cumulative return for terms over 1 year)	Go to bank

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Deposit protection: Deposit Guarantee Scheme (DGS), operated by the Central Bank of Ireland

Limit€100,000

The Irish Deposit Guarantee Scheme protects eligible deposits at banks, building societies and credit unions authorised by the Central Bank of Ireland up to €100,000 per person per institution. Branches of other EEA banks (e.g. Revolut, bunq, Trade Republic) are covered by their home-country scheme instead. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.