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Earn 2.1% AER* on Your Savings

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

Start Saving  Savings

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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 and Mortgages with MoCo 

Savings

  • Earn 2.1% AER* on your new account
  • 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

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Why save with MoCo? 

Earn an interest rate of 2.1% AER* on your savings, enjoy flexible access anytime, and benefit from EU deposit protection.

*AER is the annual equivalent rate.  It shows what the interest rate would be if it were compounded and applied annually.   MoCo’s current variable rate is 2.1% AER.  Interest is subject to Deposit Interest Retention Tax, where applicable. The terms applicable to existing accounts are set out in the terms and conditions associated with that account and/or as notified to the account holder.

 

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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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MoCo in the news 

The Irish Times 

We’re a nation of savers but why don’t we invest our hard earned cash? | The Irish Times 

“You could then move your money to a MoCo Easy Saver account – it offers a 2.1 per cent variable rate on deposits.” 

“With Raisin and Bunq, no tax on interest earned is taken at source, so it must be declared to Revenue in your tax return. MoCo, like the pillar banks here, sorts the DIRT for you.” 

10 December 2025 

Irish Independent 

New European players shake up savings market in boost for consumers | Irish Independent 

“MoCo offering versatile options for savers in Ireland” 

“MoCo, which is owned by Austrian bank Bawag Group, has launched an easy-access savings account with an initial annual interest rate of 2pc” 

“Dirt is deducted at source” 

21 October 2025 

BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft, trading as MoCo, is authorised by the Austrian Financial Markets Authority in Austria and is regulated by the Central Bank of Ireland for consumer protection rules. BAWAG is a stock corporation registered in Austria having its registered office at Wiedner Gürtel 11, 1100 Vienna (with registration number 205340X) and having a registered branch in Ireland (with registration number 910053). Directors: A Abuzaakouk (US), E Sirucic (AT), S Shah (US), D O´Leary (US), A Wise (US) and G Jestaedt (GER)