Cash ISA Account
Earn 4% Gross*/AER** variable interest on savings of between £50 and £20,000, which is the 2025/2026 tax allowance.
Save up to £20,000 - your 2025/26 allowance.
A Cash ISA is a simple, instant access, easy-to-use savings account. The interest you get paid is tax free, which helps you make the most of your savings.
To invest in a Cash ISA you must be aged 18 or over (or aged 16 or 17 before 06 April 2024) and resident in the UK for tax purposes (excluding Isle of Man and Channel Islands)
*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.
Features and benefits
-
Open an account with as little as just £50 and save up to £20,000, which is your 2025/26 allowance*
You can open a Cash ISA with £50 or if you have it, a larger lump sum. The maximum you can save in this tax year is £20,000.
* The current tax year runs from 6 April 2025 to 5 April 2026. -
Earn a competitive tax-free rate of interest on your savings
Interest is calculated daily on the cleared balance in your account and credited annually in April.
-
Access to your savings when you need it
You can credit or debit your Cash ISA account through online or mobile banking or by visiting any AIB branch. Annual Subscription limits apply.
See our full range of Ways to Bank options.
-
Transfer in balances from any existing ISA's you hold
You can transfer your existing ISA balances from other financial institutions so your money is all in one place.
Cash ISA transfers from other financial institutions can take up to 15 business days from the date you instruct us to do so. Transfers from Stocks & Shares ISA's can take longer. Talk to us for more information.
-
Open your account today
- To open a new Cash ISA account, simply call into your nearest AIB branch.
- We will need to see proof of your identity and address (such as your passport, driving licence and a gas or electricity bill). If you are not sure what proof we accept, view our verification of identification page or speak to a customer service adviser on 03456 005 925†.
- You will also need to confirm your National Insurance Number.
- Complete and sign the application form and we will do the rest.
If you change your mind you have a 14 day cooling off period from the day you open your Cash ISA.
Cash ISA Summary Box
This summary box sets out important information that applies to our Cash ISA account. You should carefully read this document along with the Cash ISA Terms and Conditions to allow you make an informed decision as to whether this product is right for you.
If you require this summary box in PDF format, please download Cash ISA Summary Box PDF.
Important information
-
Information on the tax treatment of ISAs
Investors should be aware that the favourable tax treatment of ISAs may change or not be maintained in the future.
Reference to “tax efficiency” and “tax-free”on this site is based on the assumption that the depositor/investor has received the benefits free of Personal Income and Capital Gains Tax.
The AIB (NI) Cash ISA product does not apply the Government Stakeholder Standards. Accounts that meet the Stakeholder Standard aren’t guaranteed to perform better than other accounts. It is simply that the account meets all of the Government’s requirements.
The limits referred to are in line with tax legislation as at 6 April 2025.
Talk to Us
We’re ready to help you start saving today.
Simply call us on 03456 005 925† , or drop into any AIB branch. We’ll be happy to answer any questions you may have and help you find the right kind of savings account for you.
† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.
Help and Guidance
Cash ISA terms and conditions
View the Cash ISA terms and conditions.
Savings calculator
Find out how even the smallest amount of regular savings will add up.
Deposit rates
Find out more about our deposit account rates.
Help Centre
For all service related queries please visit our Help Centre.
Financial Services Compensation Scheme
Check what protection the Financial Services Compensation Scheme offers you.
Additional support for customers
Should you require any additional support from the bank to help you manage your banking.
Related Products
Before proceeding please take time to read our Site Legal Notice, Privacy and Cookie Statements. By proceeding further you are deemed to have read and accepted these when using our website.
AIB Group (UK) p.l.c. is covered by the Financial Services Compensation Scheme, Financial Ombudsman Service and is a Registered Firm with The Lending Standards Board.
The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.