Direct saver demand and notice personal
1.25%Gross p.a.1 /AER 2
Account features at a glance:
- Choice of On Demand, 30 or 60 day notice
- Variable interest rate up to 1.25% Gross p.a1. /AER2
- Operate account via phone or post
Rates & Charges
Please note our Direct Saver 30 and Direct Saver 60 products are currently unavailable.
| Account type | Effective from | % Gross p.a. (1) | % AER (2) | Tier (3) | % Net p.a.(4) | |
|---|---|---|---|---|---|---|
| Direct Saver Demand Account (annual) | 05/02/2010 | 1.25 | 1.25 | 1,000 | 0.93 | See Below |
| The annual interest rate is guaranteed to be no lower than 0.50% below the European Central Bank Base Rate until further notice. We will notify customers at least six months in advance of any change to this guarantee if the change is to their disadvantage. 1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25% with effect from 8 April 2009). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners. 2. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year. 3. Minimum investment €1,000 (€10,000 for business savers). Maximum holding with Northern Rock €3,000,000 per investor. Account balances below the minimum investment will receive interest at the prevailing basic savings rate, currently 0.10%. 4. DIRT will automatically be deducted at the standard rate (currently 25% with effect from 8 April 2009) from interest paid/credited to your account, unless you are eligible and have registered to receive interest gross by completing a DIRT Exemption Declaration for each account you hold.. The account is open to permanent Republic of Ireland residents aged 18 or over. Interest rates are variable. | ||||||
| Direct Saver Demand Account (monthly) | 05/02/2010 | 1.00 | 1.00 | 1,000 | 0.75 | See Below |
| The annual interest rate is guaranteed to be no lower than 0.50% below the European Central Bank Base Rate until further notice. We will notify customers at least six months in advance of any change to this guarantee if the change is to their disadvantage. 1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25% with effect from 8 April 2009). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners. 2. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year. 3. Minimum investment €1,000 (€10,000 for business savers). Maximum holding with Northern Rock €3,000,000 per investor. Account balances below the minimum investment will receive interest at the prevailing basic savings rate, currently 0.10%. 4. DIRT will automatically be deducted at the standard rate (currently 25% with effect from 8 April 2009) from interest paid/credited to your account, unless you are eligible and have registered to receive interest gross by completing a DIRT Exemption Declaration for each account you hold.. The account is open to permanent Republic of Ireland residents aged 18 or over. Interest rates are variable. | ||||||
| Direct Saver 30 Account (annual) | 06/01/2010 | 1.40 | 1.40 | 1,000 | 1.05 | See Below |
| The annual interest rate is guaranteed to be no lower than 0.35% below the European Central Bank Base Rate until further notice. We will notify customers at least six months in advance of any change to this guarantee if the change is to their disadvantage. 1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25% with effect from 8 April 2009). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners. 2. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year. 3. Minimum investment €1,000 (€10,000 for business savers). Maximum holding with Northern Rock €3,000,000 per investor. Account balances below the minimum investment will receive interest at the prevailing basic savings rate, currently 0.10%. 4. DIRT will automatically be deducted at the standard rate (currently 25% with effect from 8 April 2009) from interest paid/credited to your account, unless you are eligible and have registered to receive interest gross by completing a DIRT Exemption Declaration for each account you hold.. The account is open to permanent Republic of Ireland residents aged 18 or over. Interest rates are variable. | ||||||
| Direct Saver 30 Account (monthly) | 06/01/2010 | 1.15 | 1.15 | 1,000 | 0.86 | See Below |
| The annual interest rate is guaranteed to be no lower than 0.35% below the European Central Bank Base Rate until further notice. We will notify customers at least six months in advance of any change to this guarantee if the change is to their disadvantage. 1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25% with effect from 8 April 2009). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners. 2. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year. 3. Minimum investment €1,000 (€10,000 for business savers). Maximum holding with Northern Rock €3,000,000 per investor. Account balances below the minimum investment will receive interest at the prevailing basic savings rate, currently 0.10%. 4. DIRT will automatically be deducted at the standard rate (currently 25% with effect from 8 April 2009) from interest paid/credited to your account, unless you are eligible and have registered to receive interest gross by completing a DIRT Exemption Declaration for each account you hold.. The account is open to permanent Republic of Ireland residents aged 18 or over. Interest rates are variable. | ||||||
| Direct Saver 60 Account (annual) | 05/02/2010 | 1.50 | 1.50 | 1,000 | 1.12 | See Below |
| The annual interest rate is guaranteed to be no lower than 0.20% below the European Central Bank Base Rate until further notice. We will notify customers at least six months in advance of any change to this guarantee if the change is to their disadvantage. 1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25% with effect from 8 April 2009). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners. 2. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year. 3. Minimum investment €1,000 (€10,000 for business savers). Maximum holding with Northern Rock €3,000,000 per investor. Account balances below the minimum investment will receive interest at the prevailing basic savings rate, currently 0.10%. 4. DIRT will automatically be deducted at the standard rate (currently 25% with effect from 8 April 2009) from interest paid/credited to your account, unless you are eligible and have registered to receive interest gross by completing a DIRT Exemption Declaration for each account you hold.. The account is open to permanent Republic of Ireland residents aged 18 or over. Interest rates are variable. | ||||||
| Direct Saver 60 Account (monthly) | 05/02/2010 | 1.25 | 1.25 | 1,000 | 0.93 | See Below |
| The annual interest rate is guaranteed to be no lower than 0.20% below the European Central Bank Base Rate until further notice. We will notify customers at least six months in advance of any change to this guarantee if the change is to their disadvantage. 1. Interest earned will be subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate (currently 25% with effect from 8 April 2009). This tax will be deducted by us at source and paid in accordance with the applicable legislation. Should you be eligible for the refund of tax, enquiries should be sent to the Revenue Commissioners. 2. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year. 3. Minimum investment €1,000 (€10,000 for business savers). Maximum holding with Northern Rock €3,000,000 per investor. Account balances below the minimum investment will receive interest at the prevailing basic savings rate, currently 0.10%. 4. DIRT will automatically be deducted at the standard rate (currently 25% with effect from 8 April 2009) from interest paid/credited to your account, unless you are eligible and have registered to receive interest gross by completing a DIRT Exemption Declaration for each account you hold.. The account is open to permanent Republic of Ireland residents aged 18 or over. Interest rates are variable. | ||||||
The charges applicable on this account are as follows:
| Service | Charge |
|---|---|
| Withdrawal by cheque (€500 minimum) | Free |
| Withdrawal by electronic transfer - €500 minimum | Free |
| Withdrawal by electronic transfer – same day (€25,000 minimum, and subject to availability) | €25** |
| Special presentation of a cheque | €6 per cheque |
| Copy cheque | €6 per cheque |
| Copy tax certificate | €6 per certificate |
| Copy statement | €6 per statement |
Withdrawal Charges:
| Direct Saver Demand Account | Free |
| Direct Saver 30 | Free - 30 days loss of gross interest on the amount withdrawn |
| Direct Saver 60 | Free - 60 days loss of gross interest on the amount withdrawn |
All charges have been authorised by the Financial Regulator.
We may increase the amount of the charges for any existing service, introduce new charges or change the way in which you have to pay a charge, only with prior approval from the Financial Regulator.
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