Savings

  • Earn a competitive interest rate of 2% AER*, paid daily, on your savings
  • Withdraw any amount, any time
  • Enjoy deposit guarantee scheme protection
  • We process DIRT to simplify your tax affairs

Mortgages

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

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

Family playing in a field

Why save with MoCo? 

Earn an interest rate of 2% AER* on your savings, enjoy flexible access anytime, and benefit from full EU deposit protection. Looking to buy a home? MoCo offers competitive mortgage rates, equity release options, and €1,500 cashback for new mortgage customers.

*AER is the annual equivalent rate and shows what the interest rate would be if the interest rate were compounded and applied each year (instead of daily). The interest rate quoted is a variable rate.

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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.

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