Deposit Rates
Rates applicable from 13 May 2025.
Unsure about which account would best suit your savings goals? Visit Savings and Deposits to help you select the account which suits your needs or check out our Five Saving Tips. Find out how much interest you can earn from your savings with our Savings Calculator.
If you have €3 million or more to deposit, there may be alternative deposit options available to you through our Treasury team. Please contact your Relationship Manager or your branch for further details.
Product |
Rate Bands |
Current Variable Rates |
||
|---|---|---|---|---|
Minimum |
Maximum |
Gross Annual Interest Rate % |
A.E.R. % |
|
Online Saver |
€10 |
€1,000 per month* |
3.00% |
3.00% |
Online Standard Saver Rate |
Balances above the Monthly Limit |
No Maximum |
0.25% |
0.25% |
| *We apply two variable interest rates on the daily account balance. We apply the Online Regular Saver rate on savings up to a monthly limit of €1,000 from the day you first lodge funds to the account. This monthly limit will increase by €1,000 up to a maximum of €12,000 for a twelve-month period. In month 13, and each year after that, the monthly limit resets to €1,000 and cycle restarts. We apply the Online Standard Saver rate to any balance above the monthly limit. |
||||
Product |
Rate Bands |
Current Variable Rates |
||
|---|---|---|---|---|
Minimum |
Maximum |
Gross Annual Interest Rate % |
A.E.R. % |
|
€0 |
€1,000,000 |
0.75% |
0.75% |
|
€0 |
No Maximum |
0.25% |
0.25% |
|
€0 €1,000.01 |
€1,000.00 No Maximum |
3.00% 0.25% |
3.02% 0.25% |
|
Product |
Minimum Balance |
Term |
Gross Return at Maturity % |
A.E.R. % |
Gross Annual Interest Rate % |
|---|---|---|---|---|---|
€5,000 |
6 Months |
0.75% |
1.50% |
1.50% |
|
1 Year |
2.00% |
2.00% |
2.00% |
||
2 Years |
4.55% |
2.26% |
2.25% |
If you are a personal customer acting as a sole trader, please see below business savings products which are also available to you.
Product |
Rate Bands |
Current Variable Rates |
||
|---|---|---|---|---|
Minimum |
Maximum |
Gross Annual Interest Rate % |
A.E.R. % |
|
€0 |
No Maximum |
0.25% |
0.25% |
|
|
Balance |
Minimum Notice Period |
Gross % |
A.E.R. % |
|---|---|---|---|---|
|
|
All Balances | 31 Days | 1.50% | 1.50% |
Product |
Minimum Balance |
Term |
Gross % |
A.E.R. % |
Gross Return at Maturity % (Total Return) |
|---|---|---|---|---|---|
€5,000 |
6 Months |
1.50% |
1.50% |
0.75% |
|
1 Year |
2.00% |
2.00% |
2.00% |
||
2 Years |
2.25% |
2.26% |
4.55% |
These products are no longer available to open
Product |
Rate Bands |
Current Variable Rates |
||
|---|---|---|---|---|
Minimum |
Maximum |
Gross % |
A.E.R. % |
|
Youth Savings Account |
€0 €5,000.01 |
€5,000 No Maximum |
1.50% 0.25% |
1.50% 0.25% |
Direct Deposit Access |
€0 |
€1,000,000 |
0.00% |
0.00% |
AER is the total interest you get from your savings in one year. It includes the interest you earn on interest, known as compound interest. AER helps you compare interest rates between different savings accounts and is the most common rate used for this purpose. Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid. For more detailed information on DIRT, visit the Revenue site. |
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Tel: +353 (0)1 6600311 Registered in Ireland: Registered No. 24173 Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995