It's not something that you really think about. But a current account can easily cost you from €70 to €100 annually. Take a good look! Do you have large balances sitting in your current account? And how much interest do you actually earn on a current account? Don't be shocked if your bank only offers you a meagre 0.25%.This is costing you money! 

At RaboDirect our savings account offers some of the highest interest rates available in the market today coupled with low or no charges across our product range. To earn more for your money instantly, take a look at the RaboDirect Savings account today.

Watch out for temporary promotional rates; check if they are tied to poor terms and conditions hidden in the small print. For example, you are often required to leave your money on an account for 12 months in order to take advantage of a 6-month promotion. Choose a bank that offers a high interest rate, flexibility, low costs and security. Don't be lured by temporary promotions and gimmicks. RaboDirect strives to offers a consistently high rate of interest and to offer you the best buy in the market.

Saving, gives you the opportunity to put money aside without taking risks. Generally you will be in a position to earn interest on your savings and therefore you will get everything back plus your interest earned. Investing, on the other hand involves taking on potential risk in order to increase the possible returns you can earn. The risk is that with investing you may get back less than the capital you have invested in the first place. Hence the opportunity of higher returns.

At RaboDirect we offer you the opportunity to save, invest or combine both to suit your financial needs.
RaboDirect gives you free access to your funds 24hours a day 7 days a week online at the most competitive rates around today

If you are not in the habit of saving it is important to start with the basics first. Take some time to make a plan, sit down and determine your savings goal(s) and look at possible budgets. Write down a list of the things you would like to save for and prioritise these goals: short, medium or long term. Assess the importance of each area in your life or item you wish to save for, for example; retirement, education or even a well deserved holiday. If you have a goal you a more inclined to be focused on attaining it.

People generally look at savings as an option to make provision for items such as household expenses, holidays, education or simply a cushion against future unexpected expenses, and of course there's always the promise of getting all your money back plus added interest. This is a starting point to work from and a good foundation to build upon. 

Get into the habit! ….At Rabodirect.ie you will find numerous tools available online to help you with the task.

Well that depends on your overall goals. In setting down a savings goal(s) you give yourself something to aim for. As with many things in life you will find that setting down a specific goal in writing, giving the account a name and in some cases telling people about your goals will encourage and help keep you on track to achieving your aims. Without a planned goal it is difficult to know how much you need to put by. Saving is not meant to be a punishing task in your life. Make saving a habit and remember to enjoy the rewards, in time you will see huge benefits to your lifestyle. 

At RaboDirect, we make the process of saving easy and less costly. With our savings account you can arrange for regular or ad-hoc deposits to your savings electronically.It's likely that once you've started you'll never miss the money, and you'll be pleasantly surprised at how in time it all adds up.

Save towards the goals you have set yourself. Remember don't take saving to the extreme. Don't punish or deprive yourself or those around you. Make saving easy and encourage those around you to save young and old, its never too early or too late to start. If you get a bonus, a raise or simply if you have finished repaying a loan or credit card debt, why not use the money or similar repayments to start a savings account. You will be amazed how quickly your money can grow. Paying for that family holiday or surprise weekend away using your savings becomes a lot more relaxing when you can rely on your savings to pay the bill. 

With Rabodirect why not change your habits and get into the habit? Try using some of our tools to calculate how much you need to save for in order to savour and enjoy that goal.

Understanding and learning to save is an important part of growing up. It is important to begin the culture and habit of saving at an early age. You can start planning with and for your kid's futures now. It doesn't have to be a very serious high cost affair. Why not begin by setting up a savings account for the holidays or that new computer they are always nagging you about. It's a good idea to begin to teach the rewards that the habit of good money management can bring. From there, you can progress with other savings and even investment ideas. In these days of the Hi Tech perhaps the kids could teach you a thing or two!

At RaboDirect we offer the ability for you to open joint accounts for your kids online. This offers you the chance to help save separately for their futures, keep it simple and enjoy. Once they turn 18, they can manage the Digipass themselves.

Diversification doesn't just mean placing your savings across different institutions but also means that you look at different options and products available for your savings. Once you have begun the habit of saving or if you are already in the process you may find that you wish to diversify your savings. 

Remember to give yourself reasonable access to your money or at least a portion of it. 
How long do you need to save for? Perhaps you are in a different financial position and you are looking at saving for the longer term. Would you be on better terms with a portion of your savings put towards earning a higher rate of return through longer term savings or investments? Many products on offer today do not offer you the flexibility you may need. Look around for better terms don't be afraid to ask questions.

At RaboDirect we also offer a range of different products including fixed rate term deposits with competitive interest rates and zero costs. And, for the more advanced saver looking towards investment for a higher return and higher risk we also offer a range of low cost investment funds.

You might be concerned about whether your savings are completely safe in a smaller bank. The more solvent your bank is, the safer your money. Being part of the Dutch Rabobank Group, RaboDirect's credit rating is as good as it gets. In fact, Rabobank is the only bank in Europe that the world's leading rating agencies have awarded the AAA rating - the highest possible rating available

To ensure the security of your money, you can distribute your savings across a number of different banks and accounts, but always favour the ones with the highest credit ratings. 
At Rabodirect and Rabobank we offer the kind of security and ratings your money deserves, with the added bonus of flexible online security on your terms. 

How much? How Long? Which Product? The decision is yours. Save with confidence at Rabodirect the Straight Talking Online Bank.