• It’s our Personal Demand Deposit, which you can open through AIB Internet Banking and in our local branches.
• You can use it online or in any of our local branches.
• It’s suitable for lump sum amounts that you may add anytime you want.
• There is no minimum balance on this account. There is a maximum balance of €1,000,000.
• You need to be registered with AIB Phone & Internet Banking to open and use this account online.
• You can apply to have up to four Personal Demand Deposit Accounts.
• We pay variable interest twice during the year, in April and October.

If you are registered for AIB Phone & Internet Banking you can open the Personal Demand Deposit Account online. You can also open and use the Personal Demand Deposit Account in a local branch.

There are three ways to open this account. You can open a Personal Demand Deposit account on the AIB mobile app, AIB Internet Banking and at an AIB branch.

• If you are an AIB customer, but not yet a customer of AIB Internet Banking, you can apply for AIB Internet Banking through your local branch, through www.aib.ie or by phoning 0818 724 724. 
• Click here to find out how to register for Internet Banking.

Once you have access to AIB Internet Banking, you can open a Personal Demand Deposit Account by following the steps as outlined above, under 'How do I open a Personal Demand Deposit Account?’

For information on our deposit interest rates, please click here.

Yes, you can have an account on you own or shared with someone else. If you are opening one with someone else, you have to do so in your local branch. To run a shared account with someone else online you need to set the signing instruction at ’Any one to sign’. This means both of you can use the account independently without the other’s permission.

You can hold up to four Personal Demand Deposit accounts in your own name or shared with someone else.

• You can add money to the account online by using AIB Phone & Internet Banking.
• Click ‘Pay & Transfer’ and enter the details we ask for.
• AIB Phone & Internet Banking is available for approximately 20 hours a day, for you to use Banking Services via the Internet.
• You can also call a Customer Service Adviser on 0818 724 724 to add money to your Personal Demand Deposit, lines are open 24 hours a day.
• You can add money into the Personal Demand Deposit Account from another account on your Internet Banking profile.
• You can add money to the account by standing order, international payment inward, electronic money transfers.
• You can also use cash, cheques and drafts in branch, through the Cash & Cheque Lodgement Machine and at the counter.

You can pay money in as many times as you want (once off or multiple) to your Personal Demand Deposit Account up to a maximum balance of €1,000,000.

• You can take money out of your Personal Demand Deposit Account through AIB Phone & Internet Banking.
• You can transfer your money electronically to other AIB accounts or accounts from other financial institutions. Click ‘Pay & Transfer’ and enter the detail as required.
• Online withdrawal instructions must be completed during a time in which AIB Phone & Internet Banking is available.
• AIB Phone & Internet Banking is available for approximately 20 hours a day, for you to use Banking Services via the Internet.
• You can also take money from your Personal Demand Deposit Account at your local branch.

You can contact our Customer Service Adviser team on 0818 724 724 (International +353 1 771 2424).

No fees apply to your account. However, certain other charges may still apply to your savings account. Please refer to AIB’s booklet 'A Guide to Fees and Charges for Personal Accounts' available at any AIB branch or at www.aib.ie.

You can view your savings balance, account transactions and debit and credit your account via AIB Phone & Internet Banking.

To close the Personal Demand Deposit Account, you can close your account through AIB Internet Banking by following the required steps outlined under ‘Account Management’. You can also visit your branch and provide us with a signed instruction to close your account.

• It’s our regular savings account designed to make online banking as easy as possible for you. It’s also available in your local branch.
• It’s suitable for regular monthly savings, but you can add money anytime.
• You will need an AIB Current Account or Demand Deposit Account to open and use this account.
• There is no minimum balance on this account. However, to begin your regular savings we will ask you to set up a monthly regular saver lodgement into your account by standing order. The minimum lodgement per month is €10 and the maximum is €1,000.
• There is a maximum balance of €1,000,000 on this account.
• You can access your money instantly through your AIB Internet Banking Profile or in the branch.
• You need to be registered with AIB Internet Banking to open and use this account online.
• You can have up to four Online Saver accounts in your own name or shared with someone else.
• You earn variable interest which we calculate daily and pay to your account in April.

• AIB customers can open the Online Saver online if they are registered for AIB Phone & Internet Banking or in branch.
• Customers will require a suitable AIB Payment Account (AIB Demand Deposit Account or AIB Current Account) to open this account.

• If you are an AIB customer, but not yet registered for AIB Internet Banking, you can apply for AIB Internet Banking through your local branch, through www.aib.ie or by phoning 0818 724 724. You can then open an Online Saver by following the steps below, under 'How do I open an Online Saver Account'?
• You also need an AIB Demand Deposit Account or an AIB Current Account. If you do not have one of these, see 'What if I do not have an AIB Current or Demand Deposit Account but want to open an Online Saver?'

• To open an Online Saver, you need to open an AIB Demand Deposit or an AIB Current Account at your local AIB branch (or alternatively you can log in to your AIB Internet Banking Profile and click ‘Apply & Open’).
• We recommend that you open an AIB Demand Deposit account as no transaction fees apply on this type of account. When opening an account in branch, be sure to bring two forms of identification (ideally a passport or driver’s license and an up to date utility bill or recent bank statement), so that we can open an account for you.

• Log in to your AIB Internet or Mobile Banking Profile and click ‘Apply & Open’. Under the ‘Savings’ section, select ‘Online Saver’.
• Alternatively, log into AIB Kiosk Banking with your AIB debit card & PIN and click the ‘Open an Online Saver’ button and follow the account opening steps.
• You can also open the Online Saver Account in your local branch.

Yes, you can have an account on your own or shared with someone else. If you are opening one with someone else, you have to do so in your local branch. To run a shared account with someone else means both of you can use the account independently without the other’s permission.

You can hold up to four Online Savers in your own name or shared with someone else.

• Your account is held in your local AIB branch. If you wish to talk to someone about your account, please call a Customer Service Adviser on 0818 724 724.

For information on our deposit interest rates, please click here.

• Your savings will earn the Online Regular Saver rate of interest up to a maximum monthly threshold of €1,000 per month.
• The Online Saver works on a 12 month cycle. The maximum monthly threshold increases month on month, rising from €1,000 until it reaches €12,000 in month 12. In month 13, the maximum monthly threshold reverts back to €1,000 and the 12 month Online Saver period starts again.
• In each month, any balances in the account that exceed the maximum monthly threshold will earn the lower Standard Online Saver rate.
• The Online Regular Saver rate and Standard Online Saver rate are both variable rates of interest.

• We will ask you for a regular monthly savings amount, of a minimum of €10 and a maximum of €1,000, to kick start your savings.
• You set up this amount through a standing order every month through your current or demand deposit account.
• The maximum balance on this account is €1,000,000.
• You can change this amount online at any time free of charge. If you change it through your local branch we will charge you for that service. Please see ‘A Guide to Fees and Charges for Personal Accounts’

• You can change the amount, date and source of this amount online at any time free of charge. If you change it through your local branch we will charge you for that service. You can write to your branch giving five business days’ notice to cancel/amend/suspend the savings amount.
• For more information on how to change a standing order on AIB Internet Banking, please visit Standing Order FAQs.

• You can take a break from paying your regular savings amount at no charge.
• Alternatively, you can visit or write to your branch giving five business days’ notice to cancel/amend/suspend your regular savings amount.
• For more information on how to change a standing order on AIB Internet Banking, please visit Standing Order FAQs.

• You can pay extra into your account at any time you like.
• The maximum balance on this account is €1,000,000.
• You can pay money in by using your AIB Internet Banking Profile.
• You can also make additional lodgements by way of Standing Order, International Payment inward, Electronic Money Transfers (EMTS) or other electronic means acceptable by AIB.
• Simply click ‘Pay & Transfer’ and enter the detail as required on your AIB Internet Banking Profile.
• AIB Internet Banking is available for approximately 20 hours a day, allowing you to use Banking Services via the Internet.
• You can also call a Customer Service Adviser on 0818 724 724 to lodge money to your Online Saver. Lines are open 24 hours a day.

• You can take money out of your Online Saver by sending the money to one of your other AIB accounts on your AIB Phone & Internet Banking profile.
• Click the ‘Pay & Transfer’ and enter the detail we ask you for.

You can contact our Customer Service Adviser team on 0818 724 724 (International +353 1 771 2424).

No fees apply to your account. However, certain other charges may still apply to your savings account. Please refer to AIB’s booklet 'A Guide to Fees and Charges for Personal Accounts' available at any AIB branch or at www.aib.ie.

Yes, you can see your savings balance, account transactions, debit and credit your account through AIB Phone & Internet Banking. For new customers, click here to find out how to register for Internet Banking.

• You can close your Online Saver through AIB Internet Banking or in your AIB branch.
• To close your Online Saver online you must log into AIB Internet Banking and click on the ‘Account Management’.
• We will ask you to select another account on your AIB Internet Banking Profile to which we will transfer your Online Saver balance and any interest on it.
• Your Online Saver account will then close.

• If you have opened an Online Saver without any face to face contact with us, you have the right to withdraw from and cancel the agreement without penalty within 14 days of opening the account.
• You can close your account online at any time, through your AIB Internet Banking Profile, by using the 'Close Account' function. Alternatively, you can close your account by sending a written instruction to your local branch or by phoning 0818 724 724.
• If you cancel or terminate the agreement, we will pay you interest on the money you have deposited in your Online Saver up to the date you withdraw it.

• This is our Personal Fixed Term Deposit, which you can open in any AIB Branch. Accounts in your own name are also available to open on the AIB Mobile App.
• It’s only suitable for putting away at least €15,000 as one lump sum amount for a fixed term.
  
• You can apply to have up to four Personal Fixed Term Deposit Accounts.
• You will get a fixed rate of interest for a fixed term. We calculate interest each day and pay it into your account at the end of the term.
  
• If the term is greater than one year, we will pay any interest earned to the account annually, and at the end of the term.
  
• You must have an AIB Payment Account (AIB Personal Demand Deposit Account or AIB Current Account) to open this account.
  

• Existing customers – if you already have an AIB Payment Account, e.g. Current or Personal Demand Deposit Account, you can open a Personal Fixed Term Deposit Account in any AIB Branch. You can also open an account in your own name on the AIB Mobile App.
• New customers – if you don’t have an AIB Payment Account, please contact any AIB Branch to hear about our Payment and Savings account options.
  
• If you wish to talk to someone about your account, please call a Customer Service Adviser on 0818 724 724.
  

• To open a Personal Fixed Term Deposit, you must first open an AIB payment account such as a Personal Demand Deposit or a Personal Current account. You can do this at any AIB Branch (or alternatively you can log in to AIB Internet or Mobile Banking and click “Apply & Open”).
• In order to comply with the Criminal Justice Act 2010, you will need to identify yourself by bringing in two forms of identification (ideally a passport or driver’s license and an up-to-date utility bill, or recent bank statement), so that we can open a payment account for you.

• Yes, you can have an account on your own or shared with someone else. You can open a shared account in any AIB Branch.
• If you want to open a shared account and use the account independently without each other’s permission (for example deciding what to do with your money at the end of the term), you need to set the signing instruction to “Any one of us”.
  

• You can hold up to four Personal Fixed Term Deposits either in your own name or shared with someone else.

• You can put money into the account at any AIB branch.
• You can put money in by international payment, or Electronic Money Transfers (EMTS). You can put money in once at the start of the term, but you can’t access it until the end of the term.
  

• You can make one lodgement of €15,000 or more at the start of the term, within seven days of opening the account.
• If you want to reinvest your money at the end of the term for longer, you can also put in at least €1,000 extra in the five business days before the term ends.
  

• You can only take money out when the term ends.

• You can change the maturity instruction (what you’d like to do with your money at the end of the term) during the term of the account at any AIB branch and on the AIB Mobile App by selecting “Amend Maturity Instruction”. You can choose to reinvest the full amount and the interest earned, take out some of the money and reinvest the rest, or take out all the money and close the account.

• If you have a question for us about this and other savings, deposit or investment options, you can speak with us at any AIB branch.

• We don’t charge maintenance or transaction fees on this account but there may be other service charges. For details see “A Guide to Fees and Charges for Personal Accounts”.

• You cannot close your account before the end of your term.
• If you would like to close your account at the end of the term, you will need to provide us with maturity instructions. You can ask us to set this up, either at the beginning when you open an account or at any time during the term up to the business day before the term ends.
  
• You can ask us to end the agreement within 14 days of opening the account or on reinvestment at the end of the term. We will not charge you to close the account, however, we will not pay you interest for the time you were invested.