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AIB
Online Saver (Regular)
3%
AER
AIB's flagship regular saver account offering one of the best rates in Ireland for disciplined savers who can commit to monthly deposits.
Type
Regular Saver
Term
Instant
Protection
Irish DGS
After DIRT
2.01%
Min Deposit
€10
Interest Calculator
€500
Assuming 12 months of deposits at this rate
Interest Earned (1 year)
€97.50
On €6,000 total deposited
DIRT Tax (33%)
-€32.18
You Keep
€65.32
Pros
- •Top-tier 3% rate
- •Low €10 minimum monthly deposit
- •Easy to manage via AIB app
- •Irish DGS protected
Cons
- •Rate drops to 0.25% above €1,000/month
- •Must be existing AIB customer
- •Resets annually
Best For
New savers building a habitThose with €100-1,000/month to saveExisting AIB customers
Important Notes
€1,000/month max. Rate drops to 0.25% above limit. Resets yearly.
vs Irish inflation (2.1%):-0.09% real returnBelow inflation
CSO CPI December 2025Rate verified: 2026-02-05