How to save money for your family with MoCo

Big dreams need smart planning. Planning ahead and saving money regularly can help families prepare for future milestones such as education, hobbies or unexpected expenses. With MoCo Savings, building a habit of saving money for your family’s future is simple, secure and rewarding.

Family walking outdoors with a child holding a pinwheel

Why planning ahead makes savings easier?

Plan ahead for big milestones – education, hobbies, or their first car.
Pro Tip: Do it stress-free and treat savings like a fixed expense. This way you can make pay day your save day.
Benefit from daily interest – watch your savings grow every day
Create a safety net for life’s surprises and enjoy peace of mind

Find out more about MoCo Savings

Green piggy bank symbolising long-term savings and financial planning.

Why choose MoCo for your family’s savings?

Choosing the right savings account helps families build financial security while keeping money accessible for everyday needs and long-term goals.

2.6% AER*, paid daily
Withdraw anytime – no strings attached
Deposit guarantee scheme – peace of mind
Open in minutes – typically all you need is a valid passport

Make saving a family habit

Turning saving into a shared routine helps families stay consistent and motivated over time.

Set goals together: “New bike fund”, “College savings”, “Holiday budget”
Track progress visually in the MoCo Savings Hub
Celebrate milestones – every €500 saved is one step closer to your goal!

Tip: Keep it consistent

Log in to the MoCo Savings Hub after payday and make your transfer right away. Treat it like a regular step in your monthly routine — quick, simple, and secure.

How to add money to your MoCo savings account

Once your account is open, start with as little as €1 and add money to your MoCo savings account in three easy ways:

Electronic transfer using your unique MoCo IBAN (found in the Savings Hub under ‘My Accounts’)
Quick lodgement via the [Make a Lodgement] link in the MoCo Savings Hub
Standing order arranged with your bank for regular transfers

Open your Account now

* 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. The Market Average Rate used is 0.13% and is taken from the CBI's Retail Interest Rates Statistical Release for September 2025.