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Irish Deposits Guarantee – a History

Are My Savings in Ireland Guaranteed? (Updated  Dec 4th  2011 ) A potted history of Irish Banking Guarantees First of all we had the Irish  Deposit Guarantee Scheme (DGS), which covered the first...

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Deposit Rates Falling

Many of the Irish banks have reduced the interest rates on some or all of their deposit accounts in recent weeks. The rate falls have affected some instant access accounts and fixed rates. We have...

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ELG Could End in 2013

In October  the Deputy Governor of the Central Bank of Ireland hinted that the bank guarantees could end soon . He said  “.. in my view we are getting close to the position where the changing...

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State Savings Rates Reduced

The National Treasury Management Agency have cut the interest rates on most of the State Savings products – from Prize Bonds to National Solidarity Bonds. The rate cuts range from  0.35% to  0.95% on...

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IBRC Liquidation and the Deposit Guarantee

As a result of the liquidation of IBRC -  the Deposit Guarantee Scheme (DGS) has been activated.  The Deposit Guarantee Scheme  is administered by the Central Bank and guarantees eligible deposits up...

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Summary of Deposit Guarantees in Ireland

We understand the following protection is in place with the following institutions: This is the latest information on the level of guarantee or protection for money held in Irish financial institutions...

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What’s Happening with the Bank Guarantee?

Next week (28th March ) the   Eligible Liabilities Guarantee is ending – this is the one that covers most deposits over €100,000. We wrote about the possible ending of this guarantee back in Nov 2012...

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State Savings Interest Rates Reduced

Most of the state savings products offered by the NTMA (National Treasury Management Agency)  have had their interest rates reduced this week. The lower rates only apply to  new purchases made from...

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National Solidarity Bond

The  National Solidarity Bond was first announced in  the 2010 Budget and it was launched in April 2010 . At the launch it paid an annual interest rate of  1% a year (fixed)  with added bonuses for...

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Best Deposit Rates in Irish Banks

Interest rates on Deposit Accounts  in Ireland have been dropping over the past year  – and the recent cuts to the State Savings Rates will probably encourage the banks to drop their interest rates...

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PRSI on Savings Accounts in 2014

In Budget 2013 it was announced that some people would have to pay 4% PRSI on the interest earned on deposit accounts from January 2014. At the time it wasn’t clear exactly who this affected or how the...

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Should Banks be asking for PPS Numbers ?

When you open a bank account in Ireland you are routinely asked to provide a PPS number – but do you have to provide one? The answer is NO – there is no legal requirement to supply your PPS number when...

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Interest Rates on Savings in Ireland since 2008

The Interest Rates available on instant access savings accounts in Ireland are currently the lowest they have been for several years.  The top rate available in Ireland right now is 2.3% from KBC – but...

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Raisin.com Offering Better Interest Rates for Irish Savers

This month saw the launch in Ireland,  and several other European countries , of  Raisin.com – which describes itself as an online deposit marketplace. It is early days – but in short it allows Irish...

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Bank of Ireland Mortgage Saver Account – The Details

Bank of Ireland  have launched an interesting regular savings account for first time buyers called the “Mortgage Saver “.  The main selling point is a bonus of 10% of the highest balance .  This sounds...

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The Price Of Gold

Over six years ago the price of gold  reached an all time high : – in July 2011  gold was selling on the London markets at $1,837 an ounce. At the end of 2016 the price of gold had dropped to  around...

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Savings Accounts for Children

It won’t be too long until it’s First Communion time again . At this time of year in Ireland – many Catholic children get given cash gifts for their Communion .  A recent survey found that the average...

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State Savings Interest Rates 2019

3-year Savings Bond (Issue 17)  1% fixed-rate  (AER 0.33%) 4-year National Solidarity Bond (Issue 6)  2% fixed-rate  (AER 0.5%) 5 -year Savings Certificate (Issue 22)  5% fixed-rate  (AER 0.98%)...

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Raisin Offering Better Interest Rates for Irish Savers

Back in April 2016, we saw the launch in Ireland,  and several other European countries, of  Raisin.com – which described itself as an online deposit marketplace. In December 2016 Raisin stopped...

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Historic Interest Rates on Savings in Ireland

The Interest Rates available on instant access savings accounts in Ireland are currently the lowest they have been for several years.  The top rate available in Ireland right now is just 0.21% from...

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