How we rank, and how we get paid
The ranking rule
Every table on Saver.ie is ranked by AER, highest first. That is the whole rule. There are no other ranking parameters, so there is no weighting between parameters: annual equivalent rate decides the order, and nothing else influences it.
You can re-sort any table by term, or filter it by account type. Those controls change what you see on your screen only; the default order is always AER descending.
What cannot change the ranking
- Payment. No provider can pay for a higher position, and no provider can pay to be included. Commercial relationships have no input into the order, the inclusion or the wording of any table.
- Us. We do not editorially promote or demote accounts. If a provider tops the table, it is because its published AER is the highest.
What is in the tables, and what is not
We list every adult deposit account we can find that is open to new business in Ireland, including the ones that make us look worse. Child and student accounts, accounts closed to new money, and continuation rates that only existing customers see are held on the relevant provider page instead of the market tables, so the comparison stays like-for-like.
Marketplaces are the one place we select. Raisin alone offers around 195 deposits from more than 30 European banks to Irish savers. Listing all of them would bury every Irish bank on the page, so we carry the best rate at each term, named by the partner bank that actually holds the money and the scheme that actually guarantees it. Where a marketplace bank wins a term, it is because its published AER is the highest at that term, not because we picked it.
Introductory rates are listed, never disguised. Where a rate is restricted to new customers or expires after a set period, it appears in the table at its real AER with the catch stated in the same row. Hiding a rate people can actually get would be as misleading as quoting one they cannot keep.
How rates are sourced
Every rate is read by hand from the provider's own published rate page, never from another comparison site. Each row carries the date we last verified it and links to the page we read it from. Between verification passes a provider can move first; the provider's own page always decides.
How we get paid
Right now, nothing on Saver.ie earns us anything: there are no affiliate links on the site. If that changes, this page and the tables will say so plainly. Any future affiliate link will be marked at the point of use, and the rule above will not move: commission will not affect rankings, and providers will still be unable to pay for position or inclusion.
What we are, and are not
Saver.ie is published by S5 Ltd, which is not regulated by the Central Bank of Ireland. We are a publisher. We do not provide financial advice, we do not arrange or broker deposits, and no information you enter on this site is ever passed to a provider. Every link goes straight to the provider's own website, where you deal with them directly.