Whether you want to start saving for a rainy day, or you have a lump sum that you could be earning interest on, opening an account online is easy. PTSB customers can now open and manage Savings and Deposit Accounts in-app.
These accounts are opened in a sole name, and you need to be over 18 years of age and a tax resident in the Republic of Ireland.
Save as much or as little as you like with the PTSB Online Regular Saver Account.
You can have a maximum of one of these accounts per person.
Once opened, you can start moving funds over to your new account.
| Balance | Gross interest rate % | Gross return | AER |
|
€0.00+ |
2.50% Variable |
2.50% Variable | 2.50% Variable |
| €50,000.01+ | 0.01% Variable | 0.01% Variable | 0.01% Variable |
If the balance goes over €50,000 a lower interest rate will apply to the entire balance.
A variable rate means that your interest may change from time to time.
View our guide on how to open an online Savings Account.
Freedom to access your online savings instantly with the PTSB Online Instant Access Account.
You can have a maximum of one of these accounts per person.
Once opened, you can start moving funds over to your new account.
| Balance | Gross interest rate % | Gross return | AER |
| €0.00+ | 0.01% Variable | 0.01% Variable | 0.01% Variable |
A variable rate means that your interest rate may change from time to time.
View our guide on how to open an online Savings Account.
Whether you're saving for short-term goals or planning for the future, grow your savings and secure your financial future with our Online Fixed Term Deposit Account with terms of 6 months and 1 year.
There is no maximum number of Online Fixed Term Deposit Accounts per customer.
Once opened, you have 14 days to lodge funds to your new account.
| Term | Required balance | Gross Rate | Gross Return | AER |
| 6 Months | €5,000 + | 2.00% | 0.98% | 2.00% |
| 1 Year | €5,000 + | 2.75% | 2.75% |
2.75% |
View our guide on how to open an online Deposit Account.
With an online 40 Day Notice Savings Account, you choose the amount you want to save each month.
You can have a maximum of one of these accounts per person.
Once opened, you can start moving funds over to your new account.
| Balance | Gross Rate | Gross Return | AER |
| €0.00+ | 1.00% Variable | 1.00% Variable | 1.00% Variable |
A variable rate means that your interest may change from time to time.
View our guide on how to open an online Deposit Account.
Interest on variable rate accounts is paid on the first working day after 20 November each year and interest on fixed term accounts is paid at the end of the term. Accounts are subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate but is subject to change. However, you may not have to pay DIRT. Further information on DIRT exemptions can be located on the Revenue website.
Learn more about the PTSB App, or download the app now for Android or iOS.
Your Online Savings or Deposit Account can be closed with the assistance of our Deposit Services team. Please send written instructions to the address provided below and remember to include details on where to transfer any funds and/or interest accrued in the account.
PTSB Deposit Services,
56-59 St. Stephen's Green,
Dublin 2
Should you wish to close your Online Fixed Term Deposit Accounts, visit your local branch with valid photo ID. Acceptable forms of ID.
We have Savings and Deposit Account options for you to open in your local branch.
