Making Mortgages & Savings Easier

Earn 2.6% AER* on Your Savings

Save with confidence: daily interest, instant access, secure deposits, and hassle free DIRT management.

Start Saving Savings

2,1 percent interest Annual Equivalent Rate

Mortgages with MoCo

We help you secure your home with a simple and fully online mortgage experience designed to support you at every step.

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Savings

Earn 2.6% AER* on all new savings accounts opened from December 29th, 2025 to January 29th, 2026
Withdraw any amount, any time
Enjoy deposit guarantee scheme protection
We process DIRT to simplify your tax affairs

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Mortgages

Simplified application process
Competitive mortgage interest rates
€1,500 cash back for all mortgage customers
Attractive equity release options when switching

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Now Introducing Savings with MoCo

MoCo has been your trusted partner for mortgages — now, we're here to help you grow your savings too! Enjoy secure deposits, flexible terms, and competitive interest rates.

Savings

Why save with MoCo?

Earn an interest rate of 2.6% AER* on your savings, enjoy flexible access anytime, and benefit from EU deposit protection.

*AER is the annual equivalent rate and shows what the interest rate would be if it were compounded and applied each year (instead of daily). The rate quoted is available on all new accounts opened from December 29th, 2025 to January 29^th, 2026.  The rate is fixed until February 28^th, 2026.  The rate will reduce to 2.1% AER from March 1^st, 2026 and will be variable thereafter. Interest is subject to Deposit Interest Retention Tax, where applicable, on the date that interest is paid.  Aggregate account balance per customer for accounts eligible for promotional rate of 2.6% is limited to €500,000.

Who is MoCo?

MoCo is the trading name of BAWAG’s branch in Ireland. BAWAG Group AG is a publicly listed holding company headquartered in Vienna, Austria and serves over 4 million retail, small business and other customers across Europe and the United States. The Group operates under various brands and offers simple, transparent and affordable financial products and services. BAWAG was founded over 100 years ago and, as at December 31st, 2024, BAWAG Retail and SME customer deposits were in excess of €40bn and customer mortgages were in excess of €25bn.