What is the interest rate on Bankinter Fixed Term Deposit (12mo)?
Bankinter Fixed Term Deposit (12mo) pays 3.3% AER. After 33% DIRT tax, the effective rate is 2.21%.
Bankinter Fixed Term Deposit (12mo)
3.3% AER - Fixed Term savings account from Bankinter. 2.21% after 33% DIRT tax.
Account Details
- Interest Rate: 3.3% AER (2.21% after DIRT)
- Account Type: Fixed Term
- Access: Fixed for 1 year
- Minimum Deposit: €2,000
- Maximum Deposit: €2,000,000
- Deposit Protection: Spanish DGS
- Provider: Bankinter
Notes: Fixed interest paid on maturity. Access up to 25% of funds after 8 weeks. Spanish DGS guarantee (€100k). DIRT auto-deducted. Limited offer rate ends 1 December 2026. With no instructions at maturity, funds stay in a holding account at 0% interest.
Interest Calculator
Estimated annual interest at 3.3% AER:
- €5,000 → €165.00 gross (€110.55 after DIRT)
- €10,000 → €330.00 gross (€221.10 after DIRT)
- €25,000 → €825.00 gross (€552.75 after DIRT)
Use our savings calculator for detailed projections.
About Bankinter
Spanish bank operating in Ireland. Fixed-term deposits only. DIRT auto-deducted.
Website: https://www.bankinter.ie/
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Frequently Asked Questions
Is my money protected with Bankinter?
Yes, deposits are protected under Spanish DGS. This provides protection up to €100,000 under EU deposit guarantee rules.
How do I open this account?
Visit Bankinter's website or branch to apply. You'll typically need ID and proof of address.
Can I withdraw early from a fixed term account?
Fixed term accounts typically don't allow early withdrawals, or may charge penalties. Fixed for 1 year. Check the specific terms before opening.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Bankinter automatically deducts DIRT.
More Information
- Compare all savings accounts: https://www.smartsaver.ie/savings
- All Bankinter accounts: https://www.smartsaver.ie/savings/provider/bankinter
- Savings calculator: https://www.smartsaver.ie/savings/tools/savings-growth
- Bankinter website: https://www.bankinter.ie/