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Where to Put your Savings in 2026?

22.06.2026
Author: Bankinter Ireland Blog Team

If you're looking for where to put your savings in 2026, then there are a number of savings options open to you including deposit accounts, and investments.

With interest rates changing and the cost of living high, many people in Ireland are asking the same question: where should I put my savings in 2026?

One common approach is to leave savings in a current account, but this often means your money isn't earning as much as it could.

See our blog on the top reasons to move your savings from a current account to a deposit account. Fortunately, there are a number of options to make your money work harder depending on your goals, timelines, and risk levels.

What are your Savings Options?


When deciding where to put your savings, it helps to understand the different options available. Each one offers a different balance of risk, return, and flexibility.

Some options give you guaranteed returns, while others offer the potential for higher growth but with more uncertainty.

Fixed Term Deposit Accounts


Fixed term deposit accounts allow you to lock your money away for a set period of time, such as 6 months or 1 year, in return for a guaranteed interest rate.

This means you’ll know exactly how much interest you’ll earn from the start.

With Bankinter’s Deposit Plus Fixed Term Deposit Account, for a limited period, you can enjoy a fixed interest rate of 2.72% AER (gross interest at maturity of 1.35%) over a 6-month term.

Key Benefits of Bankinter’s Fixed Term Deposit Plus Account

  • Competitive fixed rate: 2.72%* AER, available for a limited time only until 14 July 2026.
  • Deposit from €2,000 up to €2 million.
  • Fixed interest paid at maturity, giving you the certainty of knowing exactly what you'll earn over the 6-month term.
  • Access up to 25% of your original deposit after the first 8 weeks, providing added flexibility if you need it.

Things to consider before choosing Bankinter’s Fixed Term Deposit Plus Account

  • Your money is locked away for the full term, but you can access 25% after the initial 8 weeks subject to 1 withdrawal.

Learn more what is a deposit account and how to maximise savings with a lump sum deposit account.

Easy Access Savings Accounts


Easy access savings accounts allow you to withdraw your money whenever you need it, making them a useful option if you want to keep your savings readily available. However, they usually offer lower interest rates compared to fixed term deposits, but you won’t have to leave your money there for a set period.

Key benefits:

  • Ability to access your money at any time.
  • Useful for emergency savings.

Things to consider:

  • You will usually get a much lower interest rate and return on your savings.

Regular Savings Accounts


Regular savings accounts act as an account to build savings gradually over time by putting away a set amount each month. Some offer competitive interest rates, but there are often limits on how much you can contribute.

Key benefits:

  • Encourages regular saving.
  • Supports budgeting habits.
  • Usually, you can access money easily when you need it (depends on institution).

Things to consider:

  • Limits on amount you can deposit each month.
  • If you have a lump sum your earnings may not be as high as a fixed term deposit account due to limits each month. See our blog on what to do with a lump sum for more information.

Investment Accounts


Investment accounts let you put your money into stocks or funds to try to grow your money over time. Unlike savings accounts, the return is not guaranteed and comes with a risk of losing money on your investments. The value of your money can go up or down over time depending on market performance.

Key benefits:

  • Potential for higher returns over time.
  • Can help your money grow faster than standard savings.

Things to consider:

  • You could lose some of your money.
  • Returns can change in the short term. If you invest when the market is high and need your money when market is down, you will likely make a loss on your money.
  • Best results usually come over a longer period, often years.

See more information on the different types of investments.

Where is a safe place to put savings in Ireland?


Savings accounts and fixed deposits with regulated Irish banks are generally considered low risk and offer predictable returns. With the Bankinter Deposit Plus account for example, Bankinter, as a bank in Ireland is regulated by the Central Bank of Ireland for consumer protection rules. Customer deposits up to a maximum value of €100,000 per person per institution are protected by the Deposit Guarantee Scheme.

Is your Money Taking Too Many Naps?


While you're busy working hard, your savings could be doing a little more than sleeping in your account.

It's time to give your money a wake-up call!

Now is the perfect time to make your savings go further with our special limited-time fixed deposit offer from Bankinter.

Earn 2.72%* AER on a 6-Month Fixed Deposit

Why Consider a Fixed Deposit?


Whether you’re saving for a holiday, a home upgrade, or just want to see your money grow, Bankinter Deposit Plus makes it easy. You can apply online through our website or app in just a few clicks.

With a guaranteed rate for the full 6-month term, you'll know exactly what your savings are earning from day one.

Limited-Time Offer


This special offer is available until 14 July 2026.

If you'd like to take advantage of Ireland's most competitive 6-month fixed deposit rates, now is a great time to get started.

Open your Bankinter Deposit Plus online and put your savings to work with Bankinter.

Apply online today and take advantage of this limited-time opportunity.

Bankinter rates:


You can find all our latest rates on our website on the Fixed-Term Deposit Account page and choose the best rate to suit your savings goals.

  • Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid. For more detailed information on DIRT, visit the Revenue site.
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