Deposit Rates

Rates last reviewed 5th December 2016.

A.E.R. is the Annual Equivalent Rate. Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid.
 

Product

Rate Bands

Current Variable Rates

Minimum

Maximum

A.E.R %

Gross%

AIB Saver Account
Regular Saver Rate

€10

€1,000 per month*

2.00%

2.00%

Standard Saver Rate

Balances above the Maximum Monthly Threshold

No Maximum

0.15%

0.15%

Online Saver
Online Regular Saver Rate

€10

€1,000 per month*

2.00%

2.00%

Standard Online Saver Rate

Balances above the Maximum Monthly Threshold

No Maximum

0.15%

0.15%

*The Regular Saver Rate / Online Regular Saver Rate applies to amounts up to the Maximum Monthly Threshold for a 12 month Saver Period. Amounts above the Maximum Monthly Threshold will earn a Standard Saver Rate / Standard Online Saver Rate. See product Terms & Conditions for more information.

 

 

Product

Rate Bands

Current Variable Rates

Minimum

Maximum

A.E.R %

Gross%

Access Deposit 30 Account

€0 No Maximum 0.10% 0.10%

Online Notice Deposit 7

€0 €1,000,000 0.15% 0.15%

Online Notice Deposit 21

€0

€1,000,000

0.25%

0.25%

Notice Deposit 7

€0

No Maximum

0.05%

0.05%

Demand Deposit Account

€0

No Maximum

0.01%

0.01%

Online Personal Demand Deposit Account €0 €1,000,000 0.05% 0.05%

Junior Saver Account and

Student Saver Account

€0

€1,000.01

€1,000.00

No Maximum

2.26%

0.05%

2.25%

0.05%

 

Product

Minimum

Maximum

Current Fixed Rate

Online Fixed Term Deposit*

€15,000

€100,000

0.30%

0.30%

*The rate quoted above is indicative only and the actual rate applicable to the Online Fixed Term Deposit will be the applicable rate prevailing at the time the account is opened or reinvested in.

 

Select Fixed Term Deposit Accounts
(The interest rate is an annual rate and is fixed for the duration of the chosen term)
Term 1 Month 3 Months 6 Months 9 Months 12 Months 18 Months 2 Years
Interest Rate 0.01% 0.05% 0.20% 0.20% 0.20% 0.20% 0.25%
AER 0.01% 0.05% 0.20% 0.20% 0.20% 0.20% 0.25%
All rates are indicative and subject to change without notice. Rates apply to balances from €15,000 up to
€100,000. These rates apply to personal balances and non-personal rates may be lower.
For today's rates and rates on balances of €100,000 or more, or other offers, please contact your branch.
Example (for illustration purposes only):
An investment of €100,000 for 9 months (274 days) @ 0.20% annual rate will earn
an approximate gross return of €150.13 i.e. €100,000 x 0.20% x 274/365 = €150.13
A.E.R. is the Annual Equivalent Rate and shows what the interest rate would be if the interest was compounded and paid each year (instead of monthly or over any other period).
Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid.

 

No longer available to open

Product

Rate Bands

Current Variable Rates

Minimum

Maximum

A.E.R %

Gross%

Youth Savings Account

€0  No Maximum 1.05%  1.05% 

Personal Savings Plan 2

€20 per month

€1,000 per month

0.05%

0.05%

Online Personal Savings Plan

€20 per month

€1,000 per month

0.15%

0.15%

AIB Regular Saver Account

€10 per month

€500 per month

0.15%

0.15%

3 Year Special Term Account  

€6,000

€25,000

1.00%

1.00%

5 Year Special Term Account  

€6,000

€25,000

1.50%

1.50%

Direct Deposit Access

€0

€1,000,000

0.01%

0.01%

 

Product

Rate Bands

Current Fixed Rates

Minimum

Maximum

A.E.R %

Gross%

Fixed Term Deposit  

€25,000

No Max

For Rates please contact your Branch

Flexi Deposit Account  

€1,000

No Max

For Rates please contact your Branch

Direct Deposit Term (12 month)

€1,000

No Max

0.15%

0.15%