What interest rate does the AIB (NI) Fixed Rate Saver – 6 Month pay?

The AIB (NI) Fixed Rate Saver – 6 Month pays 3.53% AER, fixed for 6 months.

How much interest could I earn?

Saving £10,000 for 6 months would earn about £175 at 3.53% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £5,000 and up to £200,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

Interest is paid at the end of the term.

Who can open this account?

New and existing AIB (NI) customers can open it. You can open it online, in branch or by post.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other six-month fixed rate bonds?

At 3.53% AER it ranks 14th of 15 six-month fixed rate bonds we track. The best pays 4.62% and the average is 4.09%.

Dashboard

Fixed Rate Compare 6 Month Fixed Rate Bonds

AIB (NI) Fixed Rate Saver – 6 Month Review

A six-month fixed rate bond from AIB (NI), with a £5,000 minimum deposit. It ranks 14th of 15 six-month fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 6 months

3.53%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£200,000

Access

At maturity only

Interest paid

On maturity

How It Stacks Up

Ranks 14th of 15

6-month fixed bonds we track

Well below average

This account 3.53%

UK CPI (Aug 2026): 3.10%; Pays 0.43% more
Average 6-month fixed: 4.09%; Pays 0.56% less
Best 6-month fixed: 4.62%; Pays 1.09% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare fixed bonds

A Good Fit For

Pro: New and existing savers

Worth Weighing Up

Con: Your money is locked in for 6 months
Con: You need at least £5,000 to open it

Please verify all details with the provider – see our Disclaimer

See all AIB (NI) accounts

Estimated returns with AIB (NI)'s Fixed Rate

What you could earn with AIB (NI)'s Fixed Rate Saver – 6 Month.

Estimated interest

£5,000 saved

£87.48

At 3.53% AER

£10,000 saved

£175

At 3.53% AER

£50,000 saved

£875

At 3.53% AER

£200,000 saved

£3,499

At 3.53% AER

Estimated over the 6-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on AIB (NI) Fixed Rate Saver – 6 Month

Jonny PeaseCo-Founder, DepositScout

AIB (NI)'s Fixed Rate Saver at 3.53% for six months sits below the market average for fixed-rate savings and trails the best available rate across fixed-rate accounts by 1.84%, where the leader is paying 5.37%. It does at least beat August 2026 CPI inflation of 3.1% by 0.43%, so your money is not losing real value, but the margin is thin. You need at least £5,000 to open it and the money is locked until maturity with no access, so if the rate is the draw, Cynergy Bank's 6 Month Fixed Rate Bond at 4.57% is worth a look first.

Compare Fixed Rate Bonds