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MoCo
EasySaver (Promo)
2.6%
AER
MoCo's promotional rate of 2.6% fixed until Feb 28 2026, dropping to 2.1% after. Excellent instant access option.
Type
Instant Access
Term
Instant
Protection
Austrian DGS
After DIRT
1.74%
Interest Calculator
€5,000
Gross Interest (1 year)
€130.00
DIRT Tax (33%)
-€42.90
You Keep
€87.10
Pros
- •Top instant access rate at 2.6%
- •No subscription required
- •DIRT auto-deducted
- •€500k max balance
Cons
- •Promo ends Feb 2026
- •Austrian DGS (still €100k protected)
- •Relatively new in Ireland
Best For
Anyone seeking best instant access rateThose comfortable with neobanks
Important Notes
2.6% promotional rate. DIRT auto-deducted.
Tax & Admin Info
What is MoCo? MoCo (part of Austrian BAWAG Group) entered the Irish market in 2023, initially with mortgages and now savings.
Tax: MoCo auto-deducts DIRT for you - no extra tax admin required.
Protection: Your savings are protected up to €100,000 by the Austrian Deposit Guarantee Scheme.
vs Irish inflation (2.1%):-0.36% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05