Features and benefits

Security of a fixed rate of interest

At certain stages in the growth of your business you may find that you have a sum of money to add to your savings. If you have a lump sum to save and you know that you can put it away for a fixed term, then you can benefit from the security of a fixed rate of interest.


You may not withdraw your funds prior to maturity. If your business may need more frequent access to funds, this account may not be the most suitable for you.


When you open an AIB Business Fixed Term Deposit Account, the prevailing rate of interest will be applied to the Account and fixed for the term of the deposit. Interest* is paid into the Account at the end of the term. Where the Account has a term in excess of one year, interest is also paid annually on the anniversary date.

*Interest is subject to Deposit Interest Retention Tax (DIRT) at the prevailing rate where applicable. (For more detailed information, visit www.revenue.ie


At Account opening and during the term of your Account, you can give us Maturity instructions to tell us what you would like to do with your funds at Maturity. You can choose to reinvest, withdraw some of your funds and reinvest the balance or withdraw all of your funds and close your Account.

It is very important to be aware that if you don't give us maturity instructions, your funds will be automatically reinvested for the same fixed term or similar fixed term at the prevailing rate.  

Lodgement options at reinvestment

If you choose to re-invest, for 5 business days prior to maturity date, you can add to your savings by making one additional lodgement to your account, subject to minimum lodgement requirements. 

Business Fixed Term Deposit account at a glance

  • Open and manage your Business Fixed Term Deposit in your local branch
  • Minimum balance of €15,000 required. No maximum balance applies to this account
  • Lump sum invested for fixed term at fixed interest rate
  • Funds can only be withdrawn at maturity

How to open a Business Fixed Term Deposit account

Drop into an AIB branch to start the process of opening your account.

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Fees and charges

There are no operating costs associated with the AIB Demand Deposit Account, however services charges may apply. For more details on these charges, please refer to the ‘Services Charges’ section within our Business Fees and Charges.

Interest is subject to Deposit Interest Retention Tax (D.I.R.T.) where applicable at the prevailing rate. For more detailed information please visit Revenue.

Terms and conditions