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State Savings · Ireland Sovereign Savings
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Irish State Savings — 100% Tax-Free Sovereign Investments

Issued directly by the National Treasury Management Agency (NTMA) via An Post. 0% DIRT tax, zero fees, and starting from just €50.

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TAX-FREE RETURN 2026 rates
2.500%
AER Net (3-Yr Savings Bonds / 5-Yr Savings Certs)
DIRT Tax Rate:0% (100% Tax-Free)
Minimum investment:€50
Maximum limit:€120,000 per issue
State Guarantee:100% Unlimited
Available Irish State Savings Products
Choose the term that fits your investment horizon
3-YEAR TERM
3-Year Savings Bonds
Earn a fixed cumulative bonus of 2.50% tax-free at the end of 3 years.
Net AER:0.83% AER
DIRT Tax:Exempt
5-YEAR TERM
5-Year Savings Certificates
Fixed cumulative return of 3.00% tax-free over 5 years with annual growth bonuses.
Net AER:0.59% AER
DIRT Tax:Exempt
10-YEAR TERM
10-Year Solidarity Bond
Long-term growth with a 16.00% cumulative tax-free bonus at full maturity.
Net AER:1.50% AER
DIRT Tax:Exempt
Frequently Asked Questions

Are Irish State Savings completely tax-free?

Yes. Unlike bank deposits which attract 33% DIRT (Deposit Interest Retention Tax), all interest and bonus payments on Irish State Savings products are 100% tax-free under Irish law.

Can I withdraw my money early before maturity?

Yes, you can request early repayment at any time with 7 days notice. You will receive 100% of your principal plus any accrued bonus up to the last completed bonus period.

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🇵🇹 Portugal — Certificados de Aforro 🇫🇷 France — Livret A 🇮🇹 Italy — Buono Fruttifero Postale 🇪🇸 Spain — Letras del Tesoro 🇧🇪 Belgium — Bons d'État 🇮🇪 Ireland — State Savings
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