State Savings Website Terms & Conditions of Use

This Website is owned and operated by the National Treasury Management Agency (NTMA).  Access to this Website and the use of information contained on it is subject to these Terms and Conditions of Use.  By proceeding further, you will be deemed to have accepted these Terms and Conditions. If you do not accept the Terms and Conditions of Use stated here, do not proceed to use this Website.


In these Terms and Conditions of Use, the following terms shall have the meanings indicated:

“We”, “us'” '“our'” means the NTMA

“You”, “your” means you, the person accessing this Website

“Website” mean this Website, being a website accessible at

“Terms and Conditions of Use” – means the terms and conditions of use of this Website herein contained

“Data Protection Notice” means our statement of practice as regards the protection and security of your information when accessing and/or using this Website and any of the features hereon (you can read a copy of the Data Protection Notice by clicking here)

Governing Law and Jurisdiction

Information appearing on this Website is provided in accordance with and subject to the laws of Ireland and the laws of Ireland govern the conduct and operation of this Website. The Irish courts have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with these Terms and Conditions of Use, the information contained on this Website, and any use made of that information. Any such claims or disputes shall be resolved in accordance with the laws of Ireland.

The information contained in this website is provided for information purposes only and is directed at persons resident in Ireland only. It is not to be regarded as an offer to buy or sell or a solicitation to buy or sell investments or advice or recommendations to buy or sell investments in any jurisdiction other than Ireland. By using this website you are deemed to have confirmed that you are resident in Ireland.

In particular, the information contained in this website is not directed at persons, and is not to be regarded or construed as an offer to buy or sell or a solicitation to buy or sell investments, in any jurisdiction where any governmental or other consents are required or any formalities need to be observed in order for us to do so or where it would be unlawful for us to do so.

General Disclaimer of Warranty and Liability

Whilst every care has been taken in the preparation and content of the Website, we do not make any warranties or representations as to its completeness, timeliness, accuracy or reliability. We neither accept nor assume any responsibility to you in relation to the contents of this Website. Access to and use of this Website is at your own risk.  You acknowledge that the NTMA shall not be liable to you or any third party (whether in contract, tort, by statute or otherwise) for any claims arising from, or in connection with, use of the Website by you or any third party.  All implied warranties are excluded to the fullest extent permissible under law. The NTMA does not give any warranty of uninterrupted use of this Website and does not accept liability for any information posted on this Website by third parties.

Nothing on this website constitutes professional advice of any kind (whether investment, legal, taxation, financial advice or otherwise) or recommendations regarding State Savings.  Users of the Website should note that State Savings Products are administered in accordance with the General and Specific Terms and Conditions published on the Website.  Users should obtain relevant and specific professional advice before making any investment decision.

Copyright and Intellectual Property

Copyright in this Website and the information set out on it is owned by or licensed to the NTMA unless otherwise noted, and may not be copied, transmitted, reproduced or stored in any other website or other form of electronic retrieval system.  Use of the copyright protected material or content for commercial gain is strictly prohibited.  The NTMA grants you a limited licence to view on a single computer the contents of this Website subject to these Terms and Conditions of Use.  Except where expressly permitted in writing by the NTMA, the use of the contents of this Website on any other website, or in a networked computer environment for any purpose is prohibited.


The contents of this Website, including these Terms and Conditions of Use, any information contained on this Website and our Data Protection Notice are subject to change from time to time by us without notification to you.  Unless otherwise noted, all such changes will be effective immediately.   Users are responsible for regularly reviewing the current Terms and Conditions of Use published on the Website.

Availability of Service

We may at any time and without any liability to you suspend or discontinue this Website or any content or information contained thereon, with or without notice, for any technical, operational or commercial reason.

Hypertext and other links

This Website may contain links to third party websites.  These links are provided solely as a convenience to you and not as an endorsement by us of the content on such third party websites. We are not responsible for the content of linked third party websites and do not make any representations or warranties regarding the content or accuracy of materials on such websites.  You are reminded that when you enter such websites, you do so at your own risk and will be subject to the terms and conditions of such third party websites. 

We generally welcome the hyper-linking to this Website from other appropriate websites, provided such links are to this Website’s homepage (and no deeper within this Website) and provided our prior written consent is sought to the establishment of such links.  Notwithstanding the foregoing, we reserve the absolute right to refuse to consent to such links.   Any links to this Website from another website must be presented in such a manner that the viewing of this Website is not impaired by framing or similar techniques that may impair the user experience.

State Savings Webchat service

The Webchat service provides online support to all users who may need to chat to us about our products or services. Please contact us by phone at 0818 20 50 60 / 01 705 7200 or email us at for assistance with any holding specific queries you may have.

To commence a Webchat users are required to provide their name and agree to the name being processed by State Savings for chat support. For your own security, you should never disclose personal or account information when using the Webchat service and our representatives will never ask for this information during a chat session with you. Please do not use the Webchat service to send any abusive, defamatory, or inappropriate language during a chat session. No warranty is given by State Savings as to the availability of the Webchat service. 

Prohibited use of Website

The information on this Website is not intended to be provided to and should not be used in any State or jurisdiction of any nature in which access to or use of such information is prohibited, whether in the format in which it is presented on this Website or otherwise.  If you have any doubts about the legality of your use of this Website, you should not continue any further.


Please note that the NTMA cannot guarantee the privacy or confidentiality of information relating to you that passes over the Internet.  No data transmission over the internet can be guaranteed as totally secure.  Whilst we strive to protect such information we do not warrant and cannot ensure the security of any information which you transmit to us.  Accordingly, any information which you transmit to us is transmitted at your own risk. In accessing this Website and in availing of any of the services/information available on or via this Website, you are deemed by these Terms and Conditions of Use.  Please note that the sending of personal information via e-mail over the internet may not be secure and can be intercepted by third parties or incorrectly delivered.  You should not divulge confidential or personal information over the internet unless you are using secure or encrypted communications technology.

Data Protection/ Privacy Policy

The NTMA will use your personal data in the manner set out in its Data Protection Notice. However, in the event of a conflict between the Data Protection Notice and these Terms and Conditions of Use, the Terms and Conditions of Use shall prevail.

The NTMA respects your right to privacy and complies with the obligations under the EU General Data Protection Regulation (GDPR), and the European Communities (Electronic Communications Networks and Services) (Data Protection and Privacy) Regulations 2003. The Data Protection Notice provides information about the personal information that the NTMA collects and the ways in which the NTMA uses and protects your personal data.


If any provision in these Terms and Conditions of Use is held to be unenforceable or invalid, such provision shall be severed and the remaining provisions of these Terms and Conditions of Use shall be enforceable to the fullest extent permitted by the laws of Ireland. 

No waiver of any term of these Terms and Conditions of Use shall be deemed a further or continuing waiver of such term or any other term

Headings in these Terms and Conditions of Use are for convenience only and shall not be used to construe or determine the meaning of any or all of these Terms and Conditions of Use.

Should you require information on any aspect of State Savings operation, please contact State Savings Customer Services team by Phone at 0818 20 50 60 or 01 705 7200 (08:00 - 20:00 Monday to Friday) or by email to and