Post Office Bonds 5% fixed
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| Feature | Detail |
|---|---|
| Issuer | Irish Government – NTMA |
| ISIN | IE00BDFP4W91 |
| Maturity | 2038 |
| Coupon | 5% fixed (paid annually) |
| Listing | Euronext Dublin (formerly Irish Stock Exchange) |
| Currency | EUR |
| Rating | AAA (S&P) / Aa3 (Moody’s) |
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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.
Flexibility
Invest from €10,000 with the flexibility to take regular and single withdrawals.
Growth potential
Your money is invested, meaning it will have good potential for growth, especially over the long-term.
Security
The AAA rated Irish state savings bond is considered very safe, boasting one of the highest credit ratings available.
Are Investment Bonds right for you?
To invest in Irish State Savings Investment Bonds you must:
Be over 18 years of age and less than 85 years of age.
Be resident for tax purposes in Ireland and have an address in Ireland.
Best Savings Bonds Ireland 2025 – Compare Rates & Buy Safely
Looking for the highest fixed-rate bonds in Ireland this year? Discover 2025’s top government-backed options, from An Post Savings Bonds to Irish Government Bonds, with expert comparisons.
👉 Get Today’s Bond Rates (Instant PDF Download)
2025’s Top Fixed Rate Bonds Ireland
1. Post Office Bonds Ireland 2025
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3-Year Fixed Bond: 4.2% (€500 min)
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New 7-Year Green Bond: 5.0% (Supports renewable energy)
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Why choose? Backed by An Post, DIRT tax advantages
2. Irish Government Bonds 2025
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10-Year Solidarity Bond: 5.3% (Tax-free returns)
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Inflation-adjusted options now available
3. Bank Fixed-Term Bonds
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Average 3.8% (Lower than State Savings)
🔍 Full Comparison Table in Our Guide
Where to Buy Savings Bonds Ireland
Option 1: Online
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An Post Money App (New 2025 feature)
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Revolut/Partner Banks
Option 2: In-Person
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Post Offices with digital ID verification
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Bank Branches (Limited bond options)
Pro Tip: Our guide includes a QR code for instant application.
2025 Bond FAQs
“Are Post Office bonds safe in 2025?”
Yes! Still Ireland’s most secure savings product.
“How do savings bonds work in Ireland?”
Fixed returns paid annually/at maturity.
“DIRT tax on Irish bonds 2025?”
Most bonds pay after 20% DIRT (exceptions apply).
Page 2: Informational Intent (Research)
URL: /are-savings-bonds-worth-it-ireland
Are Savings Bonds Worth It in Ireland? (2025 Guide)
Confused about fixed-term bonds vs regular savings? We compare safety, rates, and tax rules to help you decide.
Key 2025 Considerations
1. Safety
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Post Office Bonds: Government-backed
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Bank Deposits: €100k guarantee
2. Returns
| Product | Avg Rate | Risk |
|---|---|---|
| 10-Year Solidarity Bond | 5.3% | Lowest |
| 5-Year Bank Bond | 3.9% | Medium |
| Regular Savings | 2.1% | Highest |
3. Tax Efficiency
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DIRT-free options: 10-Year Solidarity Bond
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New 2025 rule: Partial exemption for green bonds
Common Questions
“Early withdrawal penalties?”
3% fee on Post Office Bonds (detailed in guide).
“EU citizens buying Irish bonds?”
Now allowed with PPS number.
“Inflation-proof bonds?”
New 2025 inflation clauses available.
Get Your 2025 Decision-Making Kit
📗 Includes:
✔ Bond vs savings calculator
✔ Tax efficiency checklist
✔ Application walkthrough
The Basics of Bonds
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.
- 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.
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.
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.
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.
Get STarted With A Free Consultation
From retirement planning, investment strategies, tax optimisation, to estate planning, bonds offer something for all investors!
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