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Best deposit rates available

  • 21-02-2024 4:25pm
    #1
    Buddy Bubs
    Registered Users, Registered Users 2 Posts: 4,084 ✭✭✭


    Not me, but a family member has about 400k proceeds from sale of a property to deposit for a year or 2, so there will be no investing.

    Looking for best deposit rates available, willing to go with the likes of raisin, bunq etc if rates are good.

    Where would you recommend, what is out there at the moment?

    Are there upper limits to the amounts you can deposit and earn interest on? Could have an account in his name and another in his wifes name if that works out better



Comments

  • #2
    NATLOR
    Registered Users, Registered Users 2 Posts: 2,325 ✭✭✭NATLOR


    €50K into trade Republic 4% paid monthly €50k is the cap for the 4%



  • #3
    Spocker
    Moderators Posts: 6,875 ✭✭✭Spocker


    Theres a well maintained list here: https://www.askaboutmoney.com/threads/instant-access-notice-deposit-accounts.102329/



  • #4
    FLOOPER
    Registered Users, Registered Users 2 Posts: 829 ✭✭✭FLOOPER


    Was looking at that.


    Also can someone enlighten me on the BluOr fixed term.


    If i’m reading that correctly it looks like they will fix??? rates at 4% for 1 yearly term.

    If that’s correct and I’m will to leave for 1 year it’s seems a no brainier as rates will prob drop soon.

    Can someone tell me if there are any charges related to this. I see they’re guaranteed €100,000.



  • #5
    JTMan
    Registered Users, Registered Users 2 Posts: 5,542 ✭✭✭JTMan


    https://www.boards.ie/discussion/comment/121828772#Comment_121828772


    No charges. Fixed for 1 year. 100k guarantee.

    4% for 1 year term via the BluOR website.



  • #6
    FLOOPER
    Registered Users, Registered Users 2 Posts: 829 ✭✭✭FLOOPER


    As rates are expected to fall in next couple months i’ve had a quick look back at BluOr and they seem to have dropped their fixed term rate to 3.5.

    Is this the best out there at the moment.

    Am hoping to bit bullet soon.

    Thanks.



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  • #7
    JTMan
    Registered Users, Registered Users 2 Posts: 5,542 ✭✭✭JTMan


    https://www.boards.ie/discussion/comment/121979236#Comment_121979236

    A&G via Raisin pay 3.50%.

    BluOR pay 3.50% via their website.

    Instant access rates are up to 4.20% (Trading212) but most people expect these to drop later this year when the ECB start cutting.



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