{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Best Deposit Rates in Ireland What to Know in 2026","description":"In this week\u2019s podcast, Paddy talks about why leaving your cash in a current or low-interest account is quietly costing you.   Your savings could earn more Demand deposit accounts now offer around 2% and fixed-term options near 3%, so idle cash loses ground to inflation.  Use the right tools The CCPC comparison tool helps Irish savers easily compare domestic and international deposit accounts.  Rates vary widely Foreign platforms often offer better rates than Irish banks, but terms matter\u2014don\u2019t just chase the headline numbers.  Tax makes a difference DIRT takes 33% of your interest, so tax-free options like State Savings and some government bonds can be surprisingly competitive.  Read the fine print Platforms like Raisin show strong rates, but the advertised \u201c3%\u201d often comes with conditions. Actual easy-access rates are closer to 2%.  What\u2019s realistic, what\u2019s competitive, and how to make your cash work harder for you. Hope it helps. ","author_name":"Informed Decisions Independent Financial Planning &amp; Money Podcast","author_url":"http:\/\/www.informeddecisions.ie\/podcast-2\/","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/40672110\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/content\/200274195"}