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Deposits available through the self directed option on Synergy pensions and investments



Deposit rates on 30 January 2012*



Limited Offer^ Limited Offer^
Demand deposits Amount Variable rate per annum AER Fixed term deposits Amount 15 month fixed (Rate over term) AER
RaboDirect** Minimum €5,000 3.75% 3.75% Nationwide UK (Ireland)*** Minimum €5,000 4.02% 3.20%

** Available for new business only. Clients who choose this option will get a rate of 3.75%, (3.75% AER) between 3 November 2011 and 28 February 2012. From 1 March 2012 the prevailing variable RaboDirect demand deposit rate will apply (This rate can be confirmed by checking Brokerzone.ie or contacting Standard Life at the time).
***Available for new and existing business.


^ This offer can be withdrawn at any time.

Demand deposits Amount Variable rate per annum AER
Nationwide UK (Ireland) Minimum €5,000 2.05%1 2.05%1
RaboDirect Minimum €5,000 2.40%2 2.40%2

Fixed term deposits Amount 6 month fixed (Rate over term) AER 12 month fixed (Rate over term) AER
Nationwide UK (Ireland) Minimum €5,000 1.23% 2.47% 2.90% 2.90%
RaboDirect Minimum €5,000 N/A N/A 1.25% 1.25%


Fixed term deposits Amount 2 year fixed (Rate over term) AER 3 year fixed (Rate over term) AER 4 year fixed (Rate over term) AER 5 Year fixed (Rate over term) AER
Nationwide UK (Ireland) Minimum €5,000 5.37% 2.65% 8.64% 2.80% N/A N/A N/A N/A
RaboDirect Minimum €20,000 3.20% 1.60% 5.70% 1.90% 8.80% 2.20% 12.75% 2.55%


*The rate your client gets is the rate available on the day we transfer the money to the deposit provider. This may take up to five working days.


See Important Information for deposits here

Deposit account terms and conditions with each of the relevant providers apply and may change at any time at the sole discretion of the deposit account provider. Each deposit provider's terms and conditions are available on request. Please contact your Standard Life Business Manager or call us on 01 639 7080. Synergy product charges apply, including a management charge of 1% per annum. Your clients return will be affected by the fund based renewal commission you agree with your client.


AER is the annual equivalent rate and shows what the interest rate would be if compounded and paid each year.

Click here to view deposit providers' credit ratings


1Previous rate 2.15%,(2.15% AER) effective from 16/08/10 to 29/11/10
2Previous rate 2.25%,(2.25% AER) effective from 18/04/11 to 08/08/11
For earlier variable demand rates, please contact your Standard Life Business Manager or call us on 01 639 7080