Online Notice Deposit Account

Manage your lump sum online at a time that suits you.

Flexible and rewarding account that keeps you in control of your savings.

Online Notice Deposit 7 Account is suitable for lump sum savings and can be added to whenever suits you. This account offers the convenience and flexibility of being operated totally online. It offers a variable interest rate and allows you access to your funds by serving a 7 day notice period.

Online Notice Deposit 7 Account

--------------------Start of Accordion---------------------------

Features and Benefits
Manage your account easily online

Get access to your money with a given notice period

Earn a variable rate of interest

No minimum opening balance and a maximum balance of €1,000,000

Lodge money as often as you like from accounts held on your AIB Internet Banking Profile. You can also lodge money electronically from other AIB accounts or accounts from other financial institutions

The Online Notice Deposit 7 Account is available to open through AIB Internet Banking and AIB branches

You can hold a maximum of 4 Online Notice Deposit 7 Accounts whether sole, or joint, or a combination of sole and joint. Joint accounts can only be opened in the branch and the signing instructions must be 'any one to sign' i.e. any customer on the account can give an instruction without the knowledge of the other parties

To open an online savings account with AIB, you need to be a personal customer, registered for AIB Phone and Internet Banking and have an AIB payment account e.g. an AIB Demand Deposit Account or AIB Current Account. 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

To operate your account, you must be a registered user of AIB Internet Banking

You’ll earn variable interest on your savings. This is calculated daily and paid into your account in April and October

No maintenance or transaction fees apply but there may be other service charges. For details see "A Guide to Fees and Charges for Personal Accounts".

Notice Periods:

With the Online Notice Deposit 7 Account, you need to give 7 days’ notice for withdrawals online through AIB Internet Banking. Once the 7 days are up, you can make a single withdrawal or multiple withdrawals (up to the amount you served notice on) at any time during the following 7 days.

At the point of serving notice, you can choose to have your money automatically transferred, when your notice has been served in full, to any account on your AIB Internet Banking Profile.

--------------------End of Accordion---------------------------

Start saving online today.

We’re ready to help you start saving today.

Help and Guidance

--------------------Start of Accordion---------------------------

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).

--------------------End of Accordion---------------------------

--------------------Start of Accordion---------------------------

Personal Identification Requirements

Personal Identification Requirements

--------------------End of Accordion---------------------------

Terms and Conditions

View the AIB Online Notice Deposit Account 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

Frequently Asked Questions

View our Online Notice Deposit Accounts Frequently Asked Questions

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).