Post Office Bonds 5% fixed
Sign up below to find out how you can invest in NTMA Bonds.
| 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) |
Disclaimer: By submitting this form, you consent to being contacted by Income-Bonds.com or our partners via email, phone, or SMS. We do not guarantee investment returns, and past performance is not indicative of future results. All investments carry risks, and you should consult a financial advisor before making decisions. For more details, please review our Privacy Policy. Income-Bonds.com is not responsible for any financial losses.
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.
Irish Post Office Bonds: The Secure Savings Solution (2025)
Your Complete Guide to Government-Backed Savings
What Makes Post Office Bonds Special?
Irish Post Office Bonds (State Savings products) offer 100% state-guaranteed savings with fixed returns. Unlike bank deposits, your money is backed by the Irish government, making it one of the safest places to grow your savings.
Key Benefits at a Glance
✅ Zero risk to your capital
✅ Fixed interest rates locked in for your term
✅ Tax-efficient (33% DIRT applies)
✅ Range of terms from 3 months to 10 years
2025 Post Office Bond Options
1. Savings Certificates (4 Years)
-
Current Rate: 0.50% AER
-
Minimum Investment: €50
-
Best For: Medium-term savers wanting stable returns
2. National Solidarity Bond (10 Years)
-
Current Rate: 1.25% AER
-
Minimum Investment: €50
-
Best For: Long-term savings with highest guaranteed returns
3. Instalment Savings (6 Years)
-
Current Rate: 0.75% AER
-
Start From: €25/month
-
Best For: Regular savers building funds gradually
How Do They Compare to Bank Savings?
| Feature | Post Office Bonds | Bank Deposits |
|---|---|---|
| Safety | Government Guaranteed | €100,000 Deposit Guarantee |
| Returns | Fixed for full term | Often variable rates |
| Term Length | 3 months – 10 years | Typically shorter terms |
| Taxation | 33% DIRT | 33% DIRT |
Want Our Free 2025 Bonds Guide?
Get our exclusive guide to Irish Post Office Bonds delivered straight to your inbox, including:
🔹 Latest 2025 interest rates
🔹 Step-by-step application walkthrough
🔹 Tax implications explained
🔹 Tips to maximize your returns
Simply fill in the form below for instant access:
[Insert Email Signup Form Here]
Frequently Asked Questions
Q: Can I lose money with Post Office Bonds?
A: No – your capital is 100% protected by the state.
Q: How is interest paid?
A: Paid in full when your bond matures.
Q: Are there penalties for early withdrawal?
A: Some products have penalties – details in our free guide.
Q: How do they compare to Prize Bonds?
A: Bonds pay fixed interest vs Prize Bonds’ random prizes.
Get Started Today
For the most secure savings option in Ireland, get our free guide to understand exactly how Post Office Bonds work and whether they’re right for your financial goals.
🇮🇪
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!
Address
Parkgate Business Centre Parkgate St, Dublin 8, Ireland
admin@income-bonds.com