What is the best AIB savings rate?
The best AIB savings rate is 3.02% AER on their Student Saver.
AIB Savings Accounts in Ireland - March 2026
AIB offers 13 savings accounts in Ireland. AIB is one of Ireland's main retail banks with branch access nationwide. Deposits protected by Irish DGS (€100,000).
Summary
- Total accounts: 13
- Account types: Children, Regular Saver, Fixed Term, Notice, Instant Access
- Best rate: 3.02% AER (Student Saver)
- Best instant access: 0.25% AER
- Deposit protection: Irish DGS (€100,000)
- DIRT tax: Auto-deducted (33%)
- Data updated: Daily at 9am
Instant Access Accounts (3)
Withdraw anytime without penalty.
- 0.25% AER - Online Saver Standard. No minimum
- 0.25% AER - Personal Demand Deposit. No minimum
- 0.25% AER - Instant Access Account. No minimum
Fixed Term Deposits (3)
Lock your money for higher rates.
- 2.26% AER - Personal Fixed Term 2 Year (24 months). Min €5,000
- 2% AER - Personal Fixed Term 1 Year (12 months). Min €5,000
- 1.5% AER - Personal Fixed Term 6 Month (6 months). Min €5,000
Notice Accounts (1)
Give notice before withdrawing.
- 0.75% AER - Online Notice Deposit 7 (7 days notice). No minimum, Max €1,000,000
Regular Saver Accounts (2)
Save a fixed amount monthly.
- 3% AER - Online Saver Regular. Min €10, Max €1,000
- 2.51% AER - Family Savings Account (12 months). Min €100, Max €1,000
Frequently Asked Questions
Is my money safe with AIB?
Yes, AIB deposits are protected by the Irish Deposit Guarantee Scheme (DGS) up to €100,000 per depositor.
How is DIRT tax handled?
AIB automatically deducts DIRT (33%) from interest earned. You don't need to declare this separately on your tax return.
Can I access my money instantly?
Yes, AIB offers 3 instant access accounts with rates up to 0.25% AER. You can withdraw anytime without notice or penalty.
How do I open a AIB savings account?
Open online via AIB's website or app, or visit a local branch. You'll need ID and proof of address.
Compare Other Providers
- PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://smartsaver.ie/savings/provider/state-savings
- Revolut: https://smartsaver.ie/savings/provider/revolut
- N26: https://smartsaver.ie/savings/provider/n26
- Bunq: https://smartsaver.ie/savings/provider/bunq
- Trade Republic: https://smartsaver.ie/savings/provider/trade-republic
- MoCo: https://smartsaver.ie/savings/provider/moco
- Monzo: https://smartsaver.ie/savings/provider/monzo
- Klarna: https://smartsaver.ie/savings/provider/klarna
- Bank of Ireland: https://smartsaver.ie/savings/provider/bank-of-ireland
- Raisin: https://smartsaver.ie/savings/provider/raisin
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- AIB website: https://aib.ie/