Save all at once, or little by little


We call it demand so that you can get to your money whenever you want.  This account is ideal for saving a lump sum all at once or putting away a little as often as you want.

You can access your money through the AIB Mobile App, Internet Banking and at any of our branches.

A variable rate of interest will be earned each day and we’ll put it into your account each April and October.


Personal Demand Deposit Account

 Open your account online in minutes or in           any branch

 Save a lump sum or put in money                         whenever you want

 Access your money instantly

 Open up to 4 accounts

Check our rates

What it offers

Easy to use

You can pay money into your account or take money out as often as you like online through the AIB Mobile App, Internet Banking and in branch.


You have the flexibility to save as little or as much as you like up to €1,000,000.

Earn interest

Earn interest on your savings to help you make the most of your money.

How to open a Personal Demand Deposit Account

If you use our AIB Mobile Banking App or the AIB Internet Banking service, you can open a Personal Demand Deposit account online and start saving straight away. You can also open a Personal Demand Deposit Account in any branch.

It’s easy to save, you can put money into the account online from any other account; or with cash or cheques through one of our branches.

Like opening any account, if you are not currently an AIB customer, you’ll need to prove your identity and address. Find out more.

You can open up to four Personal Demand Deposit 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 a Personal Demand Deposit Account.

We don’t charge maintenance or transaction fees on a Personal Demand Deposit 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

Click here


Branch locator

Book a meeting at any branch


Click here


Frequently asked questions

The answer to your questions


Click here

Important 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:

You might also be interested in

Jargon buster icon

Online Saver Account

Start saving now - and watch your savings grow

Learn More

file note icon

Online Notice Deposit 7 Account

For lump sum savings online - access your money after just 7 days

Learn more

FAQ Icon

Savings and Investments

Find out more about financial planning


Learn more