Irish Fixed Term Deposits 4.50%+ Protected Returns
Secure savings with guaranteed returns from trusted EU banks & financial institutions. Fixed term deposits offer predictable growth with full capital protection under the EU Deposit Guarantee Scheme.
Trusted EU Banks
Compare fixed term deposits from Europe's most reputable financial institutions
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Fixed Deposits Advantage
FULL PROTECTION
Deposit Guarantee Scheme covers your capital
YEAR TERMS
Flexible options to match your financial timeline
HIDDEN FEES
Transparent pricing with no surprise charges
Why Choose Fixed Deposits?
Capital Security
Your deposit is protected up to €100,000 under the EU Deposit Guarantee Scheme, providing peace of mind for your savings.
Predictable Returns
Lock in a fixed interest rate that won't change during the term, allowing for precise financial planning.
No Market Risk
Unlike stocks or bonds, fixed deposits are not subject to market fluctuations, ensuring your capital remains intact.
Flexible Terms
Choose from 1 to 3 year terms to match your financial goals, whether short-term savings or long-term planning.
Simple Application
Complete the entire process online in minutes, with digital verification and quick account setup.
Regular Interest Payments
Receive interest monthly, quarterly, or annually based on your preference for cash flow planning.
Key Features
Guaranteed Protection
Deposits protected up to €100,000 under the EU Deposit Guarantee Scheme (DGS)
Fixed Interest Rate
Interest rate locked for the entire term — no surprises
Simple Process
Apply online in minutes — no unnecessary complications
Trusted Banks
We work only with licensed and regulated financial institutions
How Fixed Deposits Work
Choose Your Term
Select a deposit term from 1 to 3 years based on your financial goals and timeline.
Deposit Funds
Transfer your savings to the chosen bank account. Minimum deposits typically start at €10,000.
Earn Fixed Interest
Receive guaranteed interest payments at the agreed rate until your deposit matures.
Customer Stories
Sarah McCarthy
Teacher, Dublin
"I was hesitant about where to invest my savings. The 4.50% rate for 5 years was the perfect option. The application process took only 15 minutes!"
Michael O'Brien
Retired, Cork
"Finally found a safe investment that beats inflation. Monthly interest is a perfect supplement to my pension."
Emma Walsh
Business Owner, Galway
"As a business owner, I value guaranteed returns. This is a reliable place to keep reserve funds."
Frequently Asked Questions
What is a Fixed Term Deposit?
A Fixed Term Deposit is a savings account where you lock your money for a fixed period (1–3 years) at a guaranteed interest rate. The rate doesn't change during the term.
How is my deposit protected?
Deposits with regulated banks are protected up to €100,000 per person per bank under the EU Deposit Guarantee Scheme (DGS).
Can I withdraw early?
Early withdrawal is possible but usually involves penalties. We recommend choosing a term that matches your financial timeline.
What is DIRT tax?
DIRT is tax on deposit interest that is usually automatically deducted by banks (rules may vary depending on your situation).
Ready to Secure Your Savings?
Compare the best fixed term deposit rates from trusted EU banks and start earning guaranteed returns today.
