Save easily through the AIB Mobile App
Secure and flexible, an Online Saver Account is the perfect solution if you want to save a regular amount in the easiest way.
Once the account is opened you can manage your savings instantly through the AIB Mobile App or Internet Banking.
A variable rate of interest will be earned each day and we’ll put it into your account each April.
AER is annual equivalent rate. Rates quoted are variable, that means the rate can increase or decrease. Interest is subject to Deposit Interest Retention Tax (DIRT), at the prevailing rate where applicable (for more information please visit the Revenue website).
Online Saver Account
Open your account online in minutes or in branch
Save from as little as €10 a month
Manage your money in the AIB Mobile App
Open up to four accounts
What it offers
Flexible
Save a regular amount by standing order into your account, from €10 to €1,000 a month. You can change this amount whenever you like; you can also save additional amounts up to a maximum balance of €1,000,000.
Easy to use
Move your savings into your current account or demand deposit account anytime you like. It’s easy to do online, through our AIB Mobile App or Internet Banking.
How does it Work?
The Online Saver Account allows you to earn a competitive rate of interest on an increasing amount each month. The monthly balance threshold is €1,000 in month 1 rising by €1,000 per month until it reaches €12,000 in month 12. In month 13, it reverts back to €1,000 and the cycle starts again. Note: Balances that exceed the above maximum monthly threshold will earn the lower standard saver rate. At month 13, the maximum monthly threshold reverts back to 1 month level and increases as before.
How to open an Online Saver Account
If you use our AIB Mobile App or AIB Internet Banking service, you can open an Online Saver Account online in your own name and start saving straight away. You can also open an Online Saver Account in any branch but the account can only be used online.
You will need to have an active AIB Current Account or Demand Deposit Account to open an Online Saver Account. You will also need to set up a standing order from one of these accounts into your Online Saver Account.
Like opening any account, if you are not currently an AIB customer, you’ll need to prove your identity and address. Find out more about the identifcation requirements.
You can open up to four Online Saver Accounts in your own name or shared with someone else. You can open an account with someone else in any branch.
Open an account in the AIB Mobile App
Open an account through Internet Banking
Open an account in a branch near you
There is no AIB Debit Card issued with an Online Saver Account.
We don’t charge maintenance or transaction fees on an Online Saver Account. For certain customer requests there may be service charges. For more information on fees see ‘A Guide to Fees and Charges for Personal Accounts’
Looking for more information?
Deposit rates
Find out more about our Deposit Account Rates
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Frequently asked questions
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Important information
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Terms and Conditions and other important information
To use your account online, you must be registered to our Phone and Internet Banking service. You must transfer your money to and from an AIB account (AIB Personal Demand Deposit Account or AIB Current Account) online. No branch transactions are allowed on this account.Find out more about AIB Phone & Internet Banking transfer limits.Find out more about AIB Phone and Internet Banking operating hours.The Revenue Commissioners is the primary state body responsible for the assessment and collection of taxes and duties. Visit the Revenue site.Help Centre - For all service-related queries please visit our Help Centre.
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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 your account may be reported to the Revenue Commissioners, in accordance with various legislative requirements covering the United States Foreign Account Tax Compliance Act (FATCA), the Organisation for Economic Co-operation and Development (OECD) Common Reporting Standard (CRS) and domestic banking payments regulations.
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Personal Demand Deposit Account
Personal Fixed Term Deposit Account
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Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
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