What is the interest rate on AIB Direct Deposit Access?
AIB Direct Deposit Access pays 0% AER. After 33% DIRT tax, the effective rate is 0%.
AIB Direct Deposit Access
0% AER - Instant Access savings account from AIB. 0% after 33% DIRT tax.
Account Details
- Interest Rate: 0% AER (0% after DIRT)
- Account Type: Instant Access
- Access: Instant access - withdraw anytime
- Minimum Deposit: No minimum
- Maximum Deposit: €1,000,000
- Deposit Protection: Irish DGS
- Provider: AIB
Notes: Instant access. €0–€1,000,000.
Interest Calculator
Estimated annual interest at 0% AER:
- €1,000 → €0.00 gross (€0.00 after DIRT)
- €5,000 → €0.00 gross (€0.00 after DIRT)
- €10,000 → €0.00 gross (€0.00 after DIRT)
Use our savings calculator for detailed projections.
About AIB
Largest retail bank in Ireland.
Website: https://aib.ie/
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Frequently Asked Questions
Is my money protected with AIB?
Yes, deposits are protected under Irish DGS. This covers up to €100,000 per person per institution.
How do I open this account?
Visit AIB's website or branch to apply. You'll typically need ID and proof of address.
Do I have to pay tax on the interest?
Yes, interest is subject to 33% DIRT (Deposit Interest Retention Tax). Check with the provider whether DIRT is automatically deducted.
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- All AIB accounts: https://smartsaver.ie/savings/provider/aib
- Savings calculator: https://smartsaver.ie/savings/tools/savings-growth
- AIB website: https://aib.ie/