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Daily Banking Interest Rates

AIB (NI)’s Base Rate 4.75% (effective from close of business 7 November 2024).

AIB (NI)’s Bank Base Rate can go up or down. AIB (NI)’s Bank Base Rate is typically the same as the Bank of England Base Rate, although this may not always be the case.  All accounts with a rate of interest linked to AIB (NI)’s Bank Base Rate will move in accordance with our base rate changes. 

Junior Saver Account

Rates effective from close of business 26/10/23.
  Current Gross*/AER**

Credit balances

 Interest payable quarterly
All credit balances 4.00%

Student 12-18 Account

Rates effective from close of business 26/10/23.
  Current Gross*/AER**

Credit balances

 Interest payable quarterly
All credit balances 4.00%

Classic Account

Rates effective from close of business 30/10/2017.

Debit balances

 Authorised: AIB (NI) Base rate + 14.5%

*Gross stands for contractual rate of interest payable before the deduction of income tax at the rate specified by law.

**AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

^^ No longer available to open new accounts.

All rates are variable (can change from time to time) unless stated otherwise.

All lending facilities (including regulated Consumer Credit agreements) with a rate of interest linked to base rate will be varied accordingly when base rate moves.

Important information about taxation

Credit interest on all accounts will be paid gross. If your credit interest is more than your Personal Savings Allowance you may still have tax to pay. Please see www.gov.uk for information on the Personal Savings Allowance or speak to a tax advisor.

Any reference to tax is based on our understanding of current legislation and HM Revenue & Customs practice. The law relating to taxation is always liable to change.

Financial Services Compensation Scheme

Check what protection the Financial Services Compensation Scheme offers you.