Interest Rates

AIB (NI)’s Base Rate 5.25% (effective from close of business 3 August 2023).

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.  Lending Facilities and Savings accounts with a rate of interest linked to AIB NI’s Base Rate will move in accordance with our base rate changes. 


Fixed Rate Saver

Rates effective from 05/03/24. Interest is payable at maturity/annually.
  Current Fixed Gross* p.a. /AER** Current Fixed Gross return
6 month term rate 4.35% 2.18%
12 month term rate 4.60% 4.60%
24 month term rate 4.30% 8.78%


Fixed Rate Saver is a fixed term deposit account (rate is fixed for the duration of the term).


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


Regular Saver Account^

Rates effective from close of business 26/10/23. Interest is payable annually in April.
  Current Gross*/AER**
Regular Saver Rate 6.00%
Standard Saver Rate 2.25%


^ The Regular Saver Rate applies to balances up to the Maximum Monthly Threshold (accumulating by £500 per month) for a 12 month Saver period.  Balances above the Maximum Monthly Threshold will earn a Standard Saver Rate.  See product terms and conditions for further information.



Cash ISA

Rates effective from close of business 16/04/24. Interest is payable annually in April.
  Current Gross*/AER** 
£0-£34,999 4.00%
£35,000+ 4.00%
†Government ISA Scheme rules apply.


Select Account

Rates effective from close of business 26/10/23. Interest is payable annually in April.
  Current Gross*/AER**
£0 - £99,999 2.25%
£100,000+ 2.25%

Important information about taxation

From the 6 April 2016 credit interest on all accounts will be paid gross (under new legislation tax will not be deducted when credit interest is paid). If your credit interest is more than your Personal Savings Allowance you may still have tax to pay. Please see 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.