AIB savings rates, with the caps spelled out
AIB pays a genuinely competitive 3.00% on its Online Saver, and 0.25% on almost everything else. The difference between those two numbers is a set of caps worth understanding before you open anything.
Every rate on this page was read from the provider's own site. Last verified 1 August 2026.
- AIBJunior/Student Saver3.02%
- Term / access
- Ongoing · Instant access
- DIRT
- 33%withheld for you
- Limits
- max €1,000
- Protection
- Irish DGS · €100,000
Junior and student customers only. Balance over €1,000 earns 0.25%.
- AIBOnline Saver3.00%
- Term / access
- Ongoing · Instant access, online or app
- DIRT
- 33%withheld for you
- Limits
- €10–€1,000/mo · max €12,000
- Protection
- Irish DGS · €100,000
Rate applies to lodgements within the monthly limit; balance above it earns 0.25%. Unused allowance rolls up to €12,000.
- AIBFixed Term Deposit2.26%
- Term / access
- 2 years · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
Total return 4.55% over 2 years, interest paid annually.
- AIBFixed Term Deposit2.00%
- Term / access
- 1 year · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- AIBFixed Term Deposit1.50%
- Term / access
- 6 months · No access during term
- DIRT
- 33%withheld for you
- Limits
- from €5,000
- Protection
- Irish DGS · €100,000
- AIBOnline Notice Deposit 70.75%
- Term / access
- Notice · 7 days notice
- DIRT
- 33%withheld for you
- Limits
- max €1,000,000
- Protection
- Irish DGS · €100,000
- AIBPersonal Demand Deposit0.25%
- Term / access
- Instant access · Instant access
- DIRT
- 33%withheld for you
- Limits
- No stated limit
- Protection
- Irish DGS · €100,000
All balances, no maximum.
Ranked by AER, highest first. Nobody can pay for position or inclusion. How we rank, and how we get paid
AIB's best lump sum rate
2.26%
Fixed Term Deposit
The market's best
3.23%
Raisin · BluOr Bank, fixed term deposit
The Online Saver, honestly
The 3.00% applies to money you drip in, up to €1,000 a month. Unused allowance rolls forward, so the cap grows by €1,000 a month to a ceiling of €12,000. Anything above the limit earns the Online Standard Saver rate of 0.25%, which is where balances quietly end up once the account matures.
For a saver building a habit from salary, that structure is fine and the rate is among the best a pillar bank pays. For an existing lump sum it does almost nothing: €12,000 is the most that can ever earn the headline rate.
Where AIB puts lump sums
The fixed terms are the real lump-sum products: 1.50% for 6 months, 2.00% for a year, 2.26% AER over two years, all from €5,000 with no access during the term. The 7 day notice account pays 0.75% up to €1 million, and the demand deposit pays 0.25% on everything.
Those rates are safe, Irish-guaranteed and well below the best of the market. The gap panel above puts a number on exactly what staying loyal costs.
Related: how DIRT works · the best deposit rates · State Savings
AIB questions, answered straight
- What is the AIB Online Saver interest rate?
- 3.00% AER on lodgements within the monthly limit of €1,000, with unused allowance rolling up to a €12,000 ceiling. Money above the limit earns 0.25%. Verified on AIB’s own deposit rates page on 1 August 2026.
- What does AIB pay on a lump sum?
- The fixed terms: 1.50% for 6 months, 2.00% for 1 year, 2.26% AER for 2 years, minimum €5,000, no access during the term. The demand deposit pays 0.25%.
- Is money in AIB safe?
- Deposits are covered by the Irish Deposit Guarantee Scheme up to €100,000 per person. AIB withholds DIRT at 33% before paying interest, so there is no tax paperwork.