SAVINGS
CAR Notice Min balance
Deposit accounts
Anglo Irish Bank 5.50% Demand No Minimum
Halifax 5.15% Demand No Minimum
Northern Rock 5.00% Demand €1000
Regular Savings accounts
Anglo Irish Bank 8.00% Regular Saver No Minimum
Halifax 7.00% Regular Saver €10
Bank of Ireland 7.00% Regular Saver €20
MORTGAGES
APR Interest rate Cost per €1,000
Standard variable rates
Halifax 3.71 3.65% €5.88
Bank of Ireland 3.80 3.75% €5.93
AIB 3.81% 3.75% €5.93
Tracker mortgages less than 60% of property value
Tracker mortgages more than 60% of property value
Fixed rates: three-year term
Halifax 3.83% 4.20% €6.17
AIB 3.86% 3.90% €6.01
Bank of Ireland 4.1% 4.49% €6.32
Fixed rates: five-year term
AIB 4.03% 4.20% €6.17
Halifax 4.40% 4.85% €6.52
Bank of Ireland 4.40% 4.85% €6.52
*All above are based on a mortgage up to €250,000 over 20 years
CREDIT CARDS
Standard rates
APR on purchases APR on cash Min Salary
National Irish Bank 10.5% 10.5% N/A
Permanent TSB ICE 11.9% 14.7% N/A
Bank of Ireland Clear 9.5% 19.9% >16k p.a.
Introductory offers
Rate Applies to Period
Ulster Bank 0% Balances purchases 9 months
Halifax 0% Balances purchases 6 months
Bank of Ireland Clear 0% Balances 6 months
Source: Moneymate
UNSECURED LOANS
APR Total Cost of Credit Repayment
€2,000 personal loan for 1 year
First Active 9.5% €100.06 €175.00
National Irish Bank 9.65% €101.59 €175.13
Bank of Ireland 11.9% €124.48 €177.04
€10,000 personal loan for 5 years
First Active 8.5% €2,219.26 €203.65
Tesco Personal Finance 6.9% €1,793.43 €203.65
Halifax 7.2% €1,876.75 €197.95
