State Savings Savings Accounts
State Savings are backed by the Irish Government and available through An Post. The key benefit is that returns are completely TAX-FREE - no DIRT is deducted.
Best Rate
2.01%
TAX-FREE
Accounts
4
available
Protection
Irish Government
No limit
Type
State
2 account types
TAX-FREE - equivalent to ~3%+ before DIRTGovernment guaranteedNo deposit limit
Visit State SavingsAll State Savings Savings Accounts
Fixed Term
(3 accounts)Regular Saver
(1 accounts)State Savings Pros & Cons
Pros
- +TAX-FREE returns (no DIRT)
- +Irish Government guaranteed
- +No maximum protection limit
- +Available via An Post
−Cons
- −Long terms (3-10 years)
- −Early withdrawal penalties
- −€120k maximum per product
Frequently Asked Questions
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Compare All AccountsRates last updated: February 2026