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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.

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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

  • Earn a competitive interest rate of 2.1% AER*, paid daily, on your savings
  • 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 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.

Moco_whoweare_NEU (2)
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 conduct of business 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)