AIB review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Irish retail banks, led by AIB, suit households that want easy access savings, a mortgage and personal loans under one roof in Ireland. The easy-access saver pays 3% on €10, with monthly fees of €0 on the account.
Key facts
- Best for
- One Irish bank for savings, current account, mortgage, loans and a Visa debit card.
- Headline rate
- 3%↗
- Rate type
- Variable↗
- Term
- 12 to 60 months↗
- Minimum deposit
- €10↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Instant access; savings can be moved to a current or demand deposit account anytime↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Allied Irish Banks, p.l.c.↗
- Headquarters
- Ireland↗
- Founded
- 1966↗
- Support channels
- Help-centre, Phone, Chat↗
- Pricing model
- No monthly fee
- Official website
- aib.ie
Loans
- APR
- 8.95%↗
- Loan amount
- €1,000 to €75,000↗
- Credit check
- Hard↗
- Funding time
- Decision within 3 hours; money paid into your Current Account↗
- Representative example
- AIB standard personal loan: €1,500 over 1 year at 8.65% variable interest rate and 8.95% APR, 12 monthly instalments of €130.48, total cost of credit €65.76, total repayable €1,565.76↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Over 18s only, subject to approval; Irish residents need a PPSN, residents outside Ireland a PPSN or non-Irish TRN↗
- Loan types
- Personal, Car, Student, Credit-line↗
- Use cases
- Home-improvement↗
- Features
- Credit line
Personal insurance
Mortgages
Pros and cons
Pros
- Easy-access savings paying 3% with instant access, so money can move to a current or demand deposit account at any time
- No monthly account fee, with monthly fees of €0 on the easy-access saver
- Deposits sit under EU deposit protection of EU DGS up to EUR 100,000
- A full lending range, from personal loans at 8.95% to mortgages at an initial rate of 3%
Cons
- A hard credit check applies on personal loans, resting on the credit check rating of hard
- The headline rate of 3% sits below the savings median of 3% and the top quartile of 4.15%
- Support runs on help centre, phone and chat only, so claims are handled on phone, online and email
Who it suits
- Irish households wanting savings and lending from the same bank, regulated by the Central Bank of Ireland
- Savers with a small balance, since the minimum deposit is €10
- Homebuyers and remortgagers, with mortgages up to 90% loan to value
Who should look elsewhere
- Anyone wanting the top savings rate, where Wise pays 3.29% and bunq pays 3.01%
- Borrowers hoping for a soft credit check, since the check here is hard
- People wanting a term deposit, as the account kind is easy access rather than a fixed term
How AIB compares
9.3 vs 8.0
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Where AIB is available
- Available
- Ireland
- Licence in Ireland
- Central Bank of Ireland, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the easy-access saver pay?+
The online saver pays a headline rate of 3% on a variable basis, so it can move with the wider market. The rate type is variable and the account kind is easy access. There is no monthly charge, with fees of €0.
How much do I need to open the account?+
The minimum deposit is €10, which is low next to the savings median of €0.17. The model is listed as no monthly fee, so the balance is the main thing to check rather than a monthly charge.
Can I get at my money quickly?+
Yes. Access is instant, and savings can be moved to a current or demand deposit account at any time. That suits savers who keep an emergency buffer rather than tying cash away for a term.
Is my deposit protected?+
Deposits are covered by EU deposit protection, listed as EU DGS up to EUR 100,000. The bank is authorised by the Central Bank of Ireland in Ireland, and the legal entity behind the brand is Allied Irish Banks, p.l.c..
What does a personal loan cost?+
The personal loan carries an APR of 8.95%, with borrowing of €1,000 to €75,000 over terms of 12 to 60. Early repayment is free, and the loan is aimed at home improvement. A hard credit check applies.
What is on the mortgage side?+
Mortgages start at an initial rate of 3%, fixed for 3, with an APRC of 3.6%. Borrowing covers purchase, remortgage and first time buyer up to 90% loan to value.
Do I need a PPSN for a loan?+
Eligibility is limited to adults and subject to approval. Irish residents need a PPSN, while residents outside Ireland need a PPSN or a non-Irish TRN, so plan the paperwork before applying.
How quickly is loan money paid out?+
Funding is quick: a decision arrives within a short window and the money is paid into your current account. The bank also offers a credit line, listed under credit line.
What card do I get and how do I get help?+
The card is a debit card on the visa network. Banking help runs through help centre, phone and chat, while insurance claims can go in by phone, online and email.
Sources
- aib.ie checked September 26, 2026
Backs: Lender type
“AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. ... Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.”
- aib.ie checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Registered Office: 10 Molesworth Street, Dublin 2.”
- aib.ie/central-credit-register checked September 26, 2026
Backs: Credit check
“The Central Credit Register (CCR) collects information from lenders on credit applications and credit agreements of €500 or more.”
- aib.ie/investorrelations/60-year-anniversary checked September 26, 2026
Backs: Founded
“Formed in 1966 through the coming together of the Royal Bank of Ireland, the Provincial Bank of Ireland and the Munster and Leinster Bank”
- aib.ie/our-products/loans checked September 26, 2026
Backs: Features, Loan types
“A Personal Overdraft gives you an extra balance on your current account that you can use temporarily.”
- aib.ie/our-products/loans/personal-loan checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Free early repayment, Funding time, Representative example, Term, Use cases
“To borrow between €1,000 and €30,000, online applications take a few minutes ... To borrow between €50,000 and €75,000, call us on 0818 724 725”
- aib.ie/our-products/mortgages checked September 26, 2026
Backs: Purpose
“First time buyer / Switching your mortgage / Moving homes / Building a home / Top-up your mortgage / Buy-to-let mortgage”
- aib.ie/our-products/mortgages/Home-Mortgages-Regulatory-I... checked September 26, 2026
Backs: Maximum loan to value
“You can borrow up to a maximum of 90% of the purchase price of the property.”
- aib.ie/our-products/mortgages/mortgage-interest-rates checked September 26, 2026
Backs: APRC, Fixed period, Initial rate
“GreenA 3 Year LTV Fixed <=50% - Interest Rate 3.00%, APRC 3.60% (Over 20 Years term)”
- aib.ie/our-products/savings-and-deposits/Deposit-Rates checked September 26, 2026
Backs: Minimum deposit
“Online Saver Online Regular Saver Rate, Minimum EUR 10, A.E.R. 3.00%”
- aib.ie/our-products/savings-and-deposits/online-saver checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“Move your savings into your current account or demand deposit account anytime you like.”
- aib.ie/ways-to-bank/mobile-banking checked September 26, 2026
Backs: Support channels
“Simply call 0818 724 724 (our lines are open Monday to Sunday, 09:00 to 17:00), or drop into any AIB branch. ... Get help directly in the app - chat to our digital assistant Abi”
- aib.ie/Fees-and-Charges checked September 26, 2026
Backs: Card type, Card network
“A Debit Card, which is accepted anywhere you see the Visa logo”
- aib.ie/our-products/insurance checked September 26, 2026
Backs: Insurance types
“Insurance by AIB: AIB Car Insurance, AIB Home Insurance, AIB Travel Insurance ... Get life insurance ... Income Protection”
- aib.ie/our-products/insurance/car-insurance checked September 26, 2026
Backs: Provider type
“Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited for the provision of general insurance products. AIB Car Insurance is exclusively underwritten by AXA Insurance dac.”
And 3 more source pages.
Compiled from 18 source pages, checked September 26, 2026. We did not open an account.
AIB
One Irish bank for savings, current account, mortgage, loans and a Visa debit card.