What is the interest rate on AIB Online Saver?
AIB Online Saver pays 3% AER. After 33% DIRT tax, the effective rate is 2.01%.
AIB Online Saver
3% AER - Regular Saver savings account from AIB. 2.01% after 33% DIRT tax.
Account Details
- Interest Rate: 3% AER (2.01% after DIRT)
- Account Type: Regular Saver
- Access: Regular saver - monthly deposits required
- Minimum Deposit: €10
- Maximum Deposit: €1,000
- Deposit Protection: Irish DGS
- Provider: AIB
Notes: Monthly limit increases by €1,000 up to €12,000 for twelve months, then resets. Balance above monthly limit earns 0.25%
Interest Calculator
Estimated annual interest at 3% AER:
- €1,000 → €30.00 gross (€20.10 after DIRT)
Use our savings calculator for detailed projections.
About AIB
Largest retail bank in Ireland. EBS is a subsidiary.
Website: https://aib.ie/
Compare Similar Regular Saver Accounts
- EBS Family Savings Account - 3% AER
- Bank of Ireland GoalSaver - 2% AER
- PTSB Online Regular Saver - 2% AER
- PTSB 21 Day Regular Saver - 2% AER
- State Savings 6 Year Instalment Savings - 1.75% AER
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/