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SAVE & INVEST
Savings Products That Help You Invest in Your Future
SAVINGS PRODUCTS
Spare Cash?
Something to put by?
We can help with cash deposits, term accounts, investment products or combinations of these things.
Everybody needs to save & invest in their future, but how you do it makes a difference, we can help you find the best way to save for your future with qualified independent advice.
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FINANCIAL SERVICES
Gain your financial independence.
Some risks aren't worth covering, others certainly are, we'll help you figure this out and get you the best prices for reducing the risks in your particular situation.
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PENSION PRODUCTS
Starting to think about retirement?
When you retire, you could face a drop in income of around 70%. Generous tax reliefs are given with pensions so take control of your future and secure the quality of life you deserve in retirement.
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Frequently Asked Questions
What is State Savings Ireland?
State Savings is a range of savings products offered by the Irish Government through An Post. Because your money is backed by the full faith of the Irish State, there is no investment risk and no upper deposit limit. Products include Deposit Account Plus (variable rate, instant access), Prize Bonds (weekly prize draws), Savings Bonds (3-year fixed term), and Savings Certificates (5.5-year fixed term). State Savings products are exempt from Deposit Interest Retention Tax (DIRT), which makes them particularly attractive for higher-rate taxpayers. They are managed through An Post branches or online at statesavings.ie.
What is the best savings account in Ireland right now?
The right savings account depends on three things: whether you need instant access to your money, how long you can commit to leaving it untouched, and whether you are a higher-rate taxpayer. State Savings Certificates currently offer competitive returns free of DIRT over a 5.5-year term. Raisin Bank partner accounts can offer strong fixed rates for lump sums over periods of 1 to 5 years. For regular monthly savers, credit unions and some bank accounts offer attractive rates on smaller monthly contributions. Because rates change frequently and the best option varies by personal circumstances, speaking to an independent broker ensures you are comparing all available options not just what your own bank offers.
What is the difference between a regular savings account and a lump sum savings account?
A regular savings account is designed for monthly contributions typically between €100 and €2,500 per month and rewards consistent saving with a fixed or variable interest rate. A lump sum account (or fixed-term deposit) is for a once-off amount you are happy to lock away for an agreed period, usually between 1 and 5 years. Lump sum accounts generally offer higher interest rates in return for locking your money in. If you have a significant sum from a property sale, inheritance, or bonus a lump sum account or State Savings product is usually the more efficient route
How much is the State Pension in Ireland?
As of January 2025, the maximum State Pension (Contributory) is €289.30 per week, equivalent to approximately €15,050 per year. This rate applies to people who have made the required number of PRSI contributions over their working life. The State Pension (Non-Contributory) a means-tested payment for those who do not qualify on PRSI contributions pays a maximum of €278 per week. For most people, the State Pension alone will not be sufficient to maintain their standard of living in retirement, which is why a private or occupational pension is strongly recommended.