Protection
FSCS£120,000
Min balance
£50
Max balance
£20,000
Access
Instant
Interest paid
Annually
Transfers in
Accepted
How It Stacks Up
Ranks 51st of 132
Instant access cash ISAs we track
This account 3.50%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.40% more
- Average instant access cash ISA
- 2.93%
- Pays 0.57% more
- Best instant access cash ISA
- 4.87%
- Pays 1.37% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.80%
AER
- Pays 1.30% more than this AIB (NI) account
- Includes a 1.20% bonus for 12 months, then 3.60%
We may earn a commission if you open this account.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want instant access
Worth Weighing Up
- Con: The rate is variable, so it can go down
- Con: Not flexible: money you withdraw can't be replaced without using more allowance
Good to Know
No financial penalties or lost interest deductions for taking your money out.
Please verify all details with the provider – see our Disclaimer
See all AIB (NI) accounts
