Personal Loans

Full Cash Collateral Loan

By using your deposit as security against your loan repayment, you can benefit from lower interest rates, letting you focus on what’s important to you.



Based on the assumption that 6 month fixed term deposit rate for cash collateral is 0% plus margin of 1%. View interest rates



APR is calculated based on the representative example shown below


6 months – 10 years

Flexibility options:

You can choose to repay your loan earlier than your agreed repayment schedule, partially or fully*

*In case of early loan repayments, there is the possibility of a prepayment fee. See the relevant formula in our Commissions and Charges table

What securities are requested for a Full Cash Collateral Loan?

A six-month fixed term deposit

Additional information:


The loan is priced based on the interest rate of the fixed term cash collateral plus 1%


Initial charges:

  • A processing fee of 1% of the amount of the facility, with a minimum fee of €50, will be charged at the opening of the facility
  • Documentation fees of €50 are applicable to all facilities for individuals that are less than or equal to €30,000, and €80 documentation fees for facilities for individuals that are greater than €30,000
  • For more information on our charges, you can view our Commissions and Charges table
You can view all rates here

Representative example:

At Ancoria Bank, we want to make sure you have all the information you need at all times. We’ve provided a representative example, that you can use as a guide.
















**APR (Annual Percentage Rate) has been calculated on the 09/10/2023 and is based on the following information:

  • Interest Rate: Fixed Term Interest Rate 0.00% + margin 1% (total interest rate 1%)
  • Initial charges: Processing fees of 1% charged on facility amount (€100) and documentation fees of €50
  • Loan amount of €10,000
  • Loan term of 8 years

Warning: If you fail to meet your loan repayment plan secured by mortgage, your home/property may be repossessed.
Warning: There are charges for early loan repayment (Find out more at the links: Commissions and charges & Prepayment penalty for fixed rate loans).
Warning: In case of variable interest rates, the instalment amount and total cost of the facility may increase or decrease depending on variations in the base rate.

Disclaimer: Ancoria Bank Ltd may at its choice, reject an application/business relationship for legal, regulatory or other reasons and withdraw or amend any plan, at any time. The granting of credit facilities is subject to the granting of security acceptable to the Bank. In certain cases, the offer which Ancoria Bank Ltd may make, may differ, following an assessment of your personal financial and other circumstances.

Are you

thinking about

a loan?

With our Loan Calculator, you can get an instant look at:

  • What your indicative monthly instalment will be
  • Whether you may be eligible for the loan you want

You can then easily request a video or phone call with us to talk more about it. No strings attached.

If you have any questions, or simply need some help to get started

Call us on 8000 0050 or +357 22849000