Compare the effective annual return, but also check whether it is variable, fixed or an introductory rate and how long it applies. Look at access rules, notice periods, withdrawal limits, minimum balances, account fees and any conditions attached to the advertised return. Consider how interest is taxed and whether your deposits have applicable protection under the Deposit Guarantee Scheme; current rules and limits should be confirmed with Revenue or the Central Bank of Ireland. Finally, check whether the account suits your savings timeframe and emergency-access needs rather than choosing on the headline rate alone.