How much are you leaving
on the table?

Your money is sitting in an account earning close to nothing. Trade Republic is a German-regulated savings account that currently pays 3% AER — one of the best rates available in Ireland right now. You can open an account in about 5 minutes on your phone and transfer whenever you're ready. There's no lock-in.

1. Download the Trade Republic app
2. Sign up with your name, PPS number and bank details
3. Transfer your savings — you can do it in stages
4. Interest is paid daily, withdrawn anytime

Irish energy providers keep their best deals for new customers. Switching takes less than 10 minutes on Switcher.ie and your supply never gets cut — the switch happens automatically in the background.

1. Grab a recent electricity and gas bill — you'll need your MPRN number
2. Go to Bonkers.ie and enter your current usage
3. Compare providers — filter by cheapest or by cashback offers
4. Switch online — the new provider handles everything from there

Broadband providers reserve their biggest discounts for new customers — if you've been with yours for over 12 months, you're almost certainly on an outdated tariff. The best deal right now is eir 500Mb from €25/mo for 6 months, with options from Sky, Virgin and Pure Telecom also worth comparing.

1. Check when your current contract ends (check your bill or call your provider)
2. Head to Bonkers.ie and enter your address
3. Compare speeds and prices — note any exit fees on your current plan
4. Switch online — installation is usually just a self-connect router

Mortgage switching is the biggest single saving most Irish households can make — but it requires a broker to do it properly. The whole process takes 4–6 weeks and typically costs around €1,000–€1,500 in legal and valuation fees, but that's usually recovered within the first couple of months of your new rate.

1. Email us and we'll connect you with a broker for a free initial review
2. The broker checks your LTV, remaining term and current rate
3. They identify the best lender for your situation
4. You get a mortgage protection update and solicitor to complete the switch

Revenue allows PAYE workers to claim back tax on a range of everyday expenses — most people don't because they don't know where to start. The average refund is €900 and you can claim back up to 4 years. We've put together a free step-by-step guide to walk you through each credit you flagged.

1. Log in to Revenue myAccount at revenue.ie
2. Go to "Manage your tax" → "Claim tax credits"
3. Work through each credit you're eligible for (rent, medical, WFH etc.)
4. Submit — Revenue processes most refunds within 5 working days