A savings account tailored to your needs.

This is an account designed especially for regular savers, which allows you to save what you want, when you want, and how you want. So if flexibility is important to you, then this account definitely fits the bill.

 

AIB Saver accounts are available to existing AIB personal customers with an AIB payment account (e.g. an AIB Demand Deposit Account or AIB Personal Bank Account) to facilitate their regular monthly savings. If you are a new customer or do not already have a suitable AIB Bank Account, we recommend that you open a Demand Deposit Account to avoid transaction fees and charges.

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AIB Saver Account

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    Features & Benefits

    • Earn a competitive interest rate for your money 

    • When opening the account we will ask for a regular savings instruction between €10 to €1000 per month*

    • You can add to your savings anytime by cash, cheque, standing order or electronic transfer

    • You can access your savings whenever you need - without penalty

    • You can have a maximum of 4 AIB Saver accounts, either solely in your own name or on a joint basis

    • Your interest will be paid annually in April

    • No maintenance or transaction fees apply but there may be other service charges.

     

    *This payment to the AIB Saver Account must come from a suitable payment account such as an AIB Demand Deposit Account or AIB Current Account.


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Talk to Us

We’re ready to help you start saving today.

 

Simply call 1890 724 724 (lines are open Monday to Friday 8am – 9pm and Saturday 9am – 6pm), or drop into any AIB branch. We’ll be happy to answer any questions you may have and find the right kind of savings account for you.

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Help and Guidance

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    Tax on Interest earned on Deposit Accounts:

     

    • We will deduct Deposit Interest Retention Tax (DIRT) at the prevailing rate from all interest earned, unless you are entitled to exemption from DIRT, and we will pay this directly to the Revenue Commissioners
    • To the extent that DIRT has been deducted there is no further liability to Irish income tax, but you may be subject to PRSI. Deposit Interest is not liable to the Universal Social Charge
    • The Bank will deduct DIRT from the accounts of customers unless a fully completed non-resident declaration form is held by the Bank and a minimum balance of €12,500 is maintained at all times in each account maintained by the customer. Where these conditions are maintained, we will apply this DIRT exemption to all accounts you hold with us
    • If you or your spouse are aged 65 or over in the current tax year, or permanently incapacitated, and you are exempt from income tax, you may apply to have all interest on the account paid without deduction of DIRT. Each personal account you hold with us requires a separate application
    • Details of interest paid may be reported to the Revenue Commissioners, in accordance with the requirements of S.891B of the Taxes Consolidation Act 1997.

     

    Where interest is paid to an individual resident in an EU Member state (other than Republic of Ireland) or certain department territories, that interest will be reported to the Revenue Commissioners in accordance with the European Union Council Directive 2003/48/EC (EU Savings Directive).

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    Personal Identification Requirements

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Terms and Conditions

View the AIB Saver Terms and Conditions. 

 

AIB Savings Calculator

Find out how even the smallest amount of regular savings will add up

 

Deposit Rates

Find out more about our Deposit Account Rates

 

Revenue.ie

The Revenue Commissioners is the primary state body responsible for the assessment and collection of taxes and duties

 

AIB Saver Payment Amendment Form

Download the Payment Amendment Form for the AIB Saver
 

Help Centre
For all service related queries please visit our Help Centre.

Other Information

AER is annual equivalent rate. Rates quoted are variable. Interest is subject to Deposit Interest Retention Tax (DIRT), at the prevailing rate where applicable (for more information please visit: www.revenue.ie).

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