What is the best PTSB savings rate?
The best PTSB savings rate is 2% AER on their Online Regular Saver.
PTSB Savings Accounts in Ireland - May 2026
PTSB offers 9 savings accounts in Ireland. PTSB is one of Ireland's main retail banks with branch access nationwide. Deposits protected by Irish DGS (€100,000).
Summary
- Total accounts: 9
- Account types: Regular Saver, Fixed Term, Children, Notice, Instant Access
- Best rate: 2% AER (Online Regular Saver)
- Best instant access: 0.01% AER
- Deposit protection: Irish DGS (€100,000)
- DIRT tax: Auto-deducted (33%)
- Data updated: Daily at 9am
Instant Access Accounts (1)
Withdraw anytime without penalty.
- 0.01% AER - Online Instant Access. No minimum
Fixed Term Deposits (5)
Lock your money for higher rates.
- 2% AER - Interest First Fixed Term: 1 year (12 months). Min €5,000
- 2% AER - Fixed Term: 18 months (18 months). Min €5,000
- 2% AER - Fixed Term: 3 years (36 months). Min €5,000
- 2% AER - Fixed Term: 5 years (60 months). Min €5,000
- 1.25% AER - Online Fixed Term: 6 months (6 months). Min €5,000
Notice Accounts (1)
Give notice before withdrawing.
- 0.5% AER - 40 Day Notice Savings (40 days notice). No minimum
Regular Saver Accounts (1)
Save a fixed amount monthly.
- 2% AER - Online Regular Saver. No minimum, Max €75,000
Frequently Asked Questions
Is my money safe with PTSB?
Yes, PTSB deposits are protected by the Irish Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
How is DIRT tax handled?
PTSB automatically deducts DIRT (33%) from interest earned. You don't need to declare this separately on your tax return.
Can I access my money instantly?
Yes, PTSB offers 1 instant access account with rates up to 0.01% AER. You can withdraw anytime without notice or penalty.
How do I open a PTSB savings account?
Open online via PTSB's website or app, or visit a local branch. You'll need ID and proof of address.
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More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- PTSB website: https://www.ptsb.ie/