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.
Post Office Bonds Ireland | Secure Savings with Fixed Rates (2025)
Want guaranteed returns on your savings? Post Office Bonds offer safe, fixed-interest savings backed by An Post—with no stock market risk.
To get our free expert guide with 2024 rates and application tips, fill in the form below.
Why Choose Post Office Savings Bonds?
✅ Government-backed security – Your money is protected
✅ Higher interest than banks – Fixed returns for 3/5/10 years
✅ Tax-efficient options – Some bonds are DIRT-free
✅ Easy to apply – Start with just €500
Our free guide compares all bond types and current rates.
2025 Post Office Bond Rates
(Updated July 2024)
| Bond Type | Term | Interest Rate | Minimum Deposit |
|---|---|---|---|
| 3-Year Fixed Bond | 3 Years | 3.5% | €500 |
| 5-Year Growth Bond | 5 Years | 4.0% | €500 |
| 10-Year Solidarity Bond | 10 Years | 4.5% | €500 |
Rates subject to change – lock in today’s returns
Key Questions Answered in Our Guide:
🔹 Are Post Office Bonds safer than bank savings?
🔹 How do taxes work on bond interest?
🔹 Can I access my money early if needed?
🔹 Step-by-step application process
Get Your Free Post Office Bonds Guide
Complete the form below to instantly receive:
📗 2025 Rate Comparisons
📗 Tax Efficiency Tips
📗 Application Checklist
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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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