Personal Deposit

Rate Matrix
Effective from 4th August 2017

KBC Bank Ireland plc is regulated by the Central Bank of Ireland

Variable Rate Accounts
Product Tiers Interest Rate Gross Return Rate AER
<€3,000* 0.05% 0.05% 0.05%
Standard Demand €3,000 - €1,500,000 0.05% 0.05% 0.05%
Deposit Account
€1,500,000.01+ 0.05% 0.05% 0.05%

Smart Access €3,000 - €100,000 0.30% 0.30% 0.30%

Demand Account Once the balance (including interest added) exceeds €100,000, the entire balance will earn interest at the
Standard Demand Deposit Account interest rate.
€100 - €1,000 per month 0.50% 0.50% 0.50%
Regular Saver Account Maximum Balance €50,000. Once the balance reaches €50,000 the entire balance, including future
Standing Order payments, will earn interest at the Standard Demand Deposit Account interest rate.

Notice Account
Product Tiers Interest Rate Gross Return Rate AER
35 Day Notice Account €3,000 - €100,000 0.65% 0.65% 0.65%

Fixed Rate Term Accounts

Product/Term Tiers Interest Rate Gross Return Rate AER
Interest Upfront Savings Account 12 Months €3,000 - €1,500,000 0.30% 0.30% 0.30%
Interest is automatically paid by Electronic Funds Transfer (16 days after Account opening and receipt of cleared funds by KBC Bank Ireland). If you invest in this
Account, you will not have access to your funds for the duration of the term. It is assumed that the interest is paid and not reinvested.
Top - Up Deposit Account 12 Month Fixed Rate €3,000 - €1,500,000 0.20% 0.20% 0.20%
This product is no longer available to new customers from 5th April 2016
1 Month €3,000 - €1,500,000 0.10% 0.01% 0.10%
€1,500,000.01+ 0.05% 0.00% 0.05%
3 Months €3,000 - €1,500,000 0.15% 0.04% 0.15%
€1,500,000.01+ 0.05% 0.01% 0.05%
6 Months €3,000 - €1,500,000 0.15% 0.08% 0.15%
€1,500,000.01+ 0.05% 0.03% 0.05%
9 Months €3,000 - €1,500,000 0.20% 0.15% 0.20%
€1,500,000.01+ 0.05% 0.04% 0.05%
12 Months €3,000 - €1,500,000 0.50% 0.50% 0.50%
€1,500,000.01+ 0.05% 0.05% 0.05%
12 Months** €3,000 - €1,500,000 0.30% 0.30% 0.30%
€1,500,000.01+ 0.05% 0.05% 0.05%
14 Months €3,000 - €1,500,000 0.50% 0.58% 0.50%
€1,500,000.01+ 0.05% 0.06% 0.05%
18 Months €3,000 - €1,500,000 0.50% 0.75% 0.50%
€1,500,000.01+ 0.05% 0.08% 0.05%
36 Months €3,000 - €1,500,000 0.50% 1.50% 0.50%
€1,500,000.01+ 0.05% 0.15% 0.05%
48 Months €3,000 - €1,500,000 0.50% 2.00% 0.50%
€1,500,000.01+ 0.05% 0.20% 0.05%
Note: * Existing customers only.** Allows for one withdrawal of up to 25% during the term. No further withdrawals are permitted from the account during the term.Interest is subject to Deposit Interest Retention Tax (DIRT)
where applicable. Terms & Conditions apply. The Interest Rate illustrates the daily interest payable on the account. The Gross Return Rate is the indicative rate of gross interest (before DIRT) that will be paid to the customer
based on the length of time the funds are in the account. AER means annual equivalent rate and illustrates what the interest rate would be if interest was paid and compounded once each year (instead of monthly or over any
other period). You may earn less than the AER because your money may not be invested for as long as a year. In the case of the Smart Access Demand Account, the 35 Day Notice Account and the Regular Saver Account,
interest is credited to the account annually on 31st December each year. You may only have one 35 Day Notice Account in your name and one in joint names. You may only open one Smart Access Demand Account in your
sole name. In addition you may open a Smart Access Account jointly with another Customer. You can only open one Regular Saver Account with us in your sole name. In addition you may open one further Regular Saver
Account jointly with another Personal Customer. In the case of the Standard Demand Account, interest is paid twice yearly in March and September. In the case of Fixed Rate Term Accounts interest is paid at the end of the
term or as specified by the account Terms & Conditions. Unless the Bank receives instruction(s) from you on or before the maturity date, the full balance in the account will be reinvested in a similar fixed term product at the
prevailing interest rate for that product on that date. If on the maturity date there is no similar fixed term product available, the full balance in the account will be reinvested in our Standard Demand Deposit Account earning
the then prevailing Standard Demand Deposit Account interest rate. Euro Personal Deposit Rates are correct as at 4th August 2017 and subject to availability. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.
 www.kbc.ie
KBC/0457-54 (R08/17)

KBC Bank Ireland plc is regulated by the Central Bank of Ireland