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Online Instant Access Account

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Online Instant Access Account

The PTSB Online Instant Access Account is great if you need to dip in and out of your savings during the month.

This online savings account is perfect if you don't want to save regularly every month but want to be free to transfer at any particular time.

  • Save as little or as much as you want, as often as you like.
  • Instant access to your savings online 24/7.
Savings  Rate (Gross/AER) 
€0.01+   0.01% Variable 
  • You can access your account whenever you need to.
  • You’ll receive your interest, minus DIRT (Deposit Interest Retention Tax), on the first working day after 20 November each year. A variable rate means that your interest may change from time to time.
  • Annual Equivalent Rate (AER) illustrates what the interest would be if interest was paid and compounded each year. Our AER calculation assumes that the account is held for a year and that the interest rate remains constant.

Get easy access

You can make withdrawals by transferring your savings to your PTSB Current Account, Notice Account or Demand account. You can also transfer to an account held in another bank. For account closures you must write to the address below with instructions on where to transfer the funds to or you have the option to receive a cheque in the post.

PTSB Deposit Services
56-59 St. Stephen's Green
Dublin 2

Apply online today

This account can only be opened when you are logged into your online banking. It cannot be opened in-app or branch.

Log on to on desktop or laptop to apply for your Online Instant Access Account account and follow the simple steps to submit your application:

  • When you’re opening your savings account we’ll text you a confirmation code so you’ll need an Irish mobile phone number.
  • This savings account is available only online so you need to be a PTSB customer who is registered for Open24 to access it.
  • You can only open the Online Instant Access Account in your name because these accounts are opened using your individual Open24 log on details.
  • You need to be a tax resident of Ireland to open this account.
  • You can have a maximum of one of these accounts.

Read important information about opening online savings accounts.

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