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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 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.

What it offers

Great Rates

Check the interest you can earn from your savings with our Saving Calculator.

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?

We apply two variable interest rates on the daily account balance. We apply the Online Regular Saver rate,  currently 3.00%, 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 the cycle restarts.  We apply the Online Standard Saver rate,  currently 0.25%  to any balance above the monthly limit.


Example: Customer saving €1,200 per month  

This bar chart compares total savings over 15 months using two rates: the Online Regular Saver Rate (dark purple) and the Online Standard Saver Rate (light purple). The vertical axis shows amounts from €0 to €18,000 in €2,000 increments, and the horizontal axis lists Months 1 to 15. Each month displays a stacked bar with a dark and light section, with numbers 1 to 15 appearing on the dark sections. Savings rise steadily each month, reaching approximately €1,200 in Month 1, €6,000 by Month 6, €10,000 by Month 9, and nearly €18,000 by Month 15. In every month, the Standard Saver Rate produces a higher total than the Regular Saver Rate, as shown by the taller light purple section. The legend identifies both rates.

Bar chart comparing monthly savings under the Online Regular Saver Rate and Online Standard Saver Rate over 15 months. A full detailed description of the chart is provided in the paragraph above.

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 identification 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.

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’

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Important information

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