About 85 per cent of household savings are held in current or on-demand accounts where they accrued just 0.13 per cent in interest on average in July, according to the latest Central Bank figures. Photograph: iStock

MoCo, the Irish unit of Austrian bank Bawag, is launching a new easy-access savings account with an initial annual interest rate of 2 per cent as it seeks to widen its product base beyond mortgag

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