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State Savings
10 Year National Solidarity Bond
2.01%
AER
Irish Government backed 10-year bond with 2.01% AER. Completely tax-free - no DIRT. Equivalent to ~3% before tax.
Type
Fixed Term
Term
120 months
Protection
Irish Government
After DIRT
2.01% ✓
Min Deposit
€50
Interest Calculator
€5,000
Gross Interest (1 year)
€100.50
DIRT Tax (33%)
€0 ✓
You Keep
€100.50
TAX-FREE - This is equivalent to approximately 3% AER before DIRT for most savers.
Pros
- •TAX-FREE (no DIRT)
- •Irish Government guaranteed
- •Effective 3%+ pre-tax equivalent
- •22% total return
Cons
- •10 year commitment
- •Early withdrawal penalties
- •€120k maximum
Best For
Long-term saversThose in higher tax bracketsRisk-averse investors
Important Notes
TAX-FREE (no DIRT). Irish State guaranteed.
vs Irish inflation (2.1%):-0.09% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05