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Why should I choose to compare savings accounts?

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Why should I choose to compare savings accounts?

With savings rates at an all-time low, it’s never been more important to compare your savings account options carefully. However, with so many different types of accounts to choose from, oftentimes people don't know where to start looking. This is where comes in!

Our savings account comparison service lets you easily compare interest rates and account features from Ireland’s main providers and will quickly show you where you’ll get the best return for your savings.

So if you want to keep money in your pocket, our easy-to-use comparison service has you covered. Our service is free, easy-to-use, 100% impartial and accurate.

We simplify savings

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Frequently Asked Questions

How do I compare savings accounts?

Comparing savings accounts is easy on All you need to do is provide us with some information such as:

  • Whether you are a regular monthly saver or a lump sum saver
  • The amount of money you will place on deposit
  • If it is a Child Saver account or not
  • If you are a lump saver, you must choose the type of account you want: easy access account, notice account, or term deposit account
  • If the bank’s credit rating is important to you or not

Once you have imputed all this information, we will compare the different interest rates and account features from the main saving accounts providers in the country within seconds. You will then be able to filter the different results based on your needs.

What’s the best savings account in Ireland?

The best savings account for you will depend on several factors such as how much money you want to save each month, whether you have a lump sum to put on deposit, or whether you want to have instant access to your savings if required.

Should I pay off my debts before setting up a savings account?

We recommend paying off any outstanding loans or debt that you owe before you start saving. This is because the interest you’re charged on your debt will usually be far higher than any interest you’d earn on your savings, therefore it is more financially beneficial for you to pay off your debts first.

It also means that by paying extra off the money you owe you will be able to clear your debts faster.

How much should I save?

This will depend on what you’re saving for and how much you earn. As a general rule, financial experts recommend saving up to 20% of your net income each month, though this won’t be feasible for everyone. It often helps to have a savings goal or financial plan so that you have something to aim for.

What tax will I pay on my savings?

The interest you earn on your savings is subject to a tax known as DIRT or Deposit interest retention tax.

The rate of DIRT is currently at 33%. This tax will be deducted from the interest you earn on your savings by your savings account provider. This tax will be removed before you receive the interest into your savings account.

In certain circumstances, people may be exempt from paying DIRT.

What is a fixed-interest savings account?

A fixed-interest savings account is an account where the rate of interest on your savings will be fixed for a predetermined amount of time and will not rise or fall during that period.

Fixed rates offer certainty, meaning that you’ll know exactly how much interest you’ll earn on your lump sum over a fixed term. Access to your savings is usually restricted on fixed savings accounts. However, if interest rates rise across the banking sector, you will not be able to benefit from these increases

What is a variable-interest savings account?

A variable-interest savings account is an account where the rate of interest on your savings can rise or fall. The rate usually fluctuates in accordance with the European Central Bank’s (ECB) rate, but is ultimately at the discretion of your bank.

Variable rates are unpredictable and mean that you could benefit from rising rates, but equally could be at a disadvantage should they fall.

Other resources:

Rate changes in Ireland - Savings Accounts
Compare, Switch, Save is a trading style of Bonkers Money Ltd. registered office Nutley Building, Nutley Lane, Dublin 4. Registered in Ireland, company number 477742. Our logo and the word bonkers® are registered trademarks of Bonkers Money Limited and may not be used or reproduced without prior written permission. Bonkers Money Limited, trading as, is regulated by the Central Bank of Ireland.

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