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Loyalty Cash

Flexible tax-free savings.

  • Receive a Loyalty rate for 12 months from the date of each payment
  • €1 deposit to open
  • Instant access
  • Available to Current Account customers only

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.45% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

Loyalty Rates:

0.55% AER (tax free) for Current Account customers

0.65% AER (tax free) for Advance Account customers

0.75% AER (tax free) for Account holders

Private Finance Help to Buy

Save to buy your first home.

  • Interest is tax-free
  • Save an additional €1,000 in the first month to help kick start your savings
  • No minimum balance to open
  • Instant access

Interest rates variable and paid monthly.

Loyalty Rates:

2.00% AER (tax free) on balances up to €12,000

0.05% AER (tax free) on balances over €12,000

Regular Saver

Save up to €3,000 at a fixed rate of interest for 12 months.

  • €25 deposit to open
  • Deposit at least €25 a month. The monthly subscription limit is €250. However if you do not save €250 in any given month you can carry over any unused subscription to following months.
  • No partial withdrawals allowed during the 12 month period
  • Available to GIHAM Current Account customers only

Interest rates fixed and paid after 12 months.

Loyalty Rates:

5% AER / gross for Advance customers

3% AER / gross For Standard Account, Account Pay Monthly, Student or Graduate Account customer

Online Bonus Saver

Bonus interest in any month you don't make a withdrawal.

  • €1 deposit to open
  • This account can only be managed online
  • Instant access with no charge
  • Open the account online or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.45% AER / gross interest for the months you don't make a withdrawal (0.25% AER/gross on balances over €50,000)

0.10% AER / gross for any calendar month during which you make a withdrawal

Flexible Saver

Save for a wedding, holiday or a rainy day.

  • €1 deposit to open
  • Open as many Flexible Saver accounts as you want
  • Instant access with no charge
  • Open the account online or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.05% AER / gross for Standard CAccount, Account Pay Monthly or Graduate Account customers

0.10% AER / gross for Advance (Graduate)

Standard Savings

Available to Standard customers only.

  • €1 deposit to open
  • Transfer funds in real time to or from your Current Account
  • Instant access with no charge
  • Open the account online or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.10% AER / gross

Future Saver for Children

Start saving for your child's future.

  • €1 deposit to open
  • Instant access with no charge
  • Open the account in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

0.50% AER / gross

MySavings

An easy way to save for 7-17 year olds.

  • €10 deposit to open
  • Take out money at a branch using your Cash Book
  • Instant access with no charge
  • On your 11th birthday you'll get a specially designed current account which comes with a Visa debit card
  • Open the account in branch or on the phone

Interest rates variable and paid monthly.

Loyalty Rates:

2.75% AER / 2.72% gross on balances up to €3,000

0.50% AER / gross on balances over €3,000

Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.

  • Deposit between €2,000 and €1,000,000
  • For deposits of €50,000 or more, early withdrawals in full or in part are not permitted. For balances below €50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
  • Open the account online, in branch or on the phone
  • Available to Current Account customers only

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.

Loyalty Rates:

0.30% - 0.70% AER / gross depending on amount invested and term chosen.