Prize Bonds Ireland state savings

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Plan Ahead. It’s Never Too Soon.

When you have something special to look forward to, it makes everything a little brighter. Investment Bonds are a product that gives you a straightforward way to invest a lump sum to help you achieve your long-term financial goals, such as paying college fees, buying your first home, helping your children get on the property ladder, or just having the security of a rainy-day fund.

Get Started

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Flexibility

Invest from €10,000 with the flexibility to take regular and single withdrawals.

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Growth potential

Your money is invested, meaning it will have good potential for growth, especially over the long-term.

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Security

The Volkswagen fixed rate bond has a BBB+ credit rating, assigned by Moody’s and Standard and Poor’s.

Are Investment Bonds right for you?

To invest in the Volkswagen Bonds you must:

Be over 18 years of age and less than 85 years of age.
Be resident for tax purposes in the European Union and have an address in the European Union.

Irish Prize Bonds 2025: Your Complete Guide to Tax-Free Prize Savings

What Are Irish Prize Bonds?

Irish Prize Bonds are a government-backed savings product offered by An Post and State Savings. Unlike traditional savings accounts, Prize Bonds do not pay interest—instead, they enter you into regular prize draws where you can win tax-free cash prizes while keeping your original investment secure.

Key Features of Prize Bonds (2025)

✅ State-Guaranteed – Your money is 100% secure, backed by the Irish government
✅ Tax-Free Prizes – Winnings are not subject to DIRT, income tax, or capital gains tax
✅ Liquid Investment – You can cash in your bonds at any time without penalties
✅ No Fixed Term – Unlike savings bonds, Prize Bonds have no maturity date

Prize Bond Draws & Winning Odds (2025)

Prize Bonds offer weekly, monthly, and annual draws with varying prize amounts.

2025 Prize Structure

Prize Tier	Prize Amount	Frequency	Odds of Winning (Per €1 Bond)
Weekly Draw	€50 – €1,000	Every Friday	~1 in 26,000
Monthly Draw	€5,000 – €10,000	First Friday of the month	Better odds than weekly
Annual Draw	€50,000 – €250,000	December	Best chance for big wins

Total Prizes in 2025: Over €24 million awarded annually

Want to Learn How to Apply for Prize Bonds?

Get our free 2025 Prize Bonds Guide delivered straight to your inbox! Our comprehensive guide includes:

Step-by-step application instructions
Latest prize bond rates and changes
Tax implications explained in simple terms
Tips to maximize your chances of winning

Simply fill in the form below to receive your free guide instantly:

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Are Prize Bonds a Good Investment?

Expected Returns (Probability-Based)

Average Return: 0%–1.5% (varies depending on luck)
Best For:
- Risk-averse savers who want capital security
- Those who enjoy lottery-style rewards
Not Ideal For:
- Investors seeking guaranteed interest

Tax Rules for Prize Bonds in 2025

Prizes up to €500: Fully tax-free
Prizes over €500: Subject to 33% DIRT tax

Frequently Asked Questions (FAQs)

Q: Can I lose money with Prize Bonds?

A: No—your initial investment is fully protected

Q: How do I check if I’ve won?

A: Winners are notified by post or email

Q: Are Prize Bonds better than bank savings?

A: They’re safer but offer no guaranteed returns

Get your free Prize Bonds guide today and discover the easiest way to start your tax-free prize savings journey!

The Basics of Bonds

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What are my financial goals?

Once you know what you want the money for, you’ll find it easier to choose how long to invest for.

You could save between now and five years and potentially end up with a sizeable lump sum towards your new home.
Consider investing a lump sum or invest every month to give your money the potential of sizeable capital growth over the medium to long-term.

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Whats my attitude towards risk?

The Cambridge Dictionary describes risk as “the possibility of something bad happening”. It’s a definition that we’re familiar with in day-to-day life. Indeed, most of us try to avoid risk where we can – but when we talk about risk in the context of investing, it’s not necessarily something you can avoid.

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Should I save or invest?

Savings are where most people start, putting any spare cash to one side to build up a short-term safety fund in case of emergency. This money is often held in deposit accounts in banks. If you’re saving to meet bigger long-term investment goals a monthly savings plan or lump sum investment plan with a life company, such as Aviva, may give your money the growth potential it needs to help meet your goals.

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How much control do you want?

Investing can take up as much or as little of your time as you’d like. You can work with your Financial Broker to decide if you want our investment experts to manage your investment portfolio or if you want more control, choosing and managing your own portfolio with the help of your Financial Broker.