Lock away your money at a fixed rate for a fixed term

There may be a time when you have some money that you can put to good work; money that you don’t need for a while.

If you can manage to put your money away for a fixed term, then you can benefit from the security of a fixed rate of interest. It is important to know this means that you cannot take out your money until the end of the fixed term.

Personal Fixed Term Deposit Interest Rates

Rates for accounts opened and reinvested from 12 September 2023

Term Interest Rate (Gross %)  Interest Rate (A.E.R. %) Gross Return at Maturity %
6 Months 1.50% 1.50% 0.75%
1 Year 2.50% 2.50% 2.50%
2 Years 3.00% 3.02% 6.09%

Personal Fixed Term Deposit Account

 Put away €15,000 or more 

 Earn a fixed rate of interest on your lump           sum and access your money at the end of           the term

 Get access to multiple term options

 Open in your own name using the AIB                 Mobile App 

Check our rates

What it offers

Great Rates

Competitive rates to help you make the most of your money.

Easy to use

Open and manage an account in your own name using the AIB Mobile App.


 A range of terms available here.

How it works

Interest is calculated each day on the balance of the account and we’ll put it into your account at the end of the fixed term. If the fixed term is greater than one year, we will pay any interest earned to your account annually, and at the end of the term.

At any point during the term, up to the last business day before the terms ends, you can let us know what you would like to do with your money. You can choose one of the following:

  • Reinvest the full amount and the interest earned for another fixed term
  • Take out some of the money and reinvest the rest, or
  • Take out all the money and close the account

What happens at the end of the term

If you want to reinvest your money at the end of the term for longer, you can put in at least €1,000 extra in the five business days before the fixed term ends.

If you don’t ask us to do anything when the term ends, your money will be automatically reinvested in your account which may be the same investment term or shorter investment term at the prevailing fixed rate on the day the term ends.

How to open a Personal Fixed Term Deposit Account

If you use our AIB Mobile App you can open a Personal Fixed Term Deposit Account online in your own name and start saving straight away. You can also open a Personal Fixed Term Deposit Account in any branch.

You need to have an AIB payment account and a minimum lump sum investment amount of €15,000. You must put money in within seven calendar days of opening the account otherwise the account will automatically close. You must be 18 or older to open an 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 here.

You can open up to 4 accounts in your own name or shared with someone else. To open an account shared with someone else you need to visit an AIB Branch.


Open an account in the AIB Mobile App


Open an account in a branch near you

There is no AIB Debit Card issued with a Personal Fixed Term Deposit Account.

We don’t charge maintenance or transaction fees on a Personal Fixed Term 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

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Branch locator

Book a meeting at any branch


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Frequently asked questions

The answer to your questions


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Important information

AER is annual equivalent rate. 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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