Protection
FSCS£120,000
Monthly limit
£500
Max balance
No limit
Access
Instant
Interest paid
Annually
Rate Tiers
Up to monthly threshold
6.00%AER
Threshold starts at £500, increases by £500/month up to £6,000 in month 12
Above monthly threshold
1.50%AER
Standard Saver rate applies to balances exceeding the monthly threshold
How It Stacks Up
Ranks 8th of 48
Regular savers we track
This account 6.00%
- UK CPI (Aug 2026)
- 3.10%
- Pays 2.90% more
- Average regular saver
- 5.05%
- Pays 0.95% more
- Best regular saver
- 8.00%
- Pays 2.00% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want instant access
- Pro: People who can save a set amount each month
Worth Weighing Up
- Con: The rate is variable, so it can go down
- Con: You can only pay in up to £500 a month
Good to Know
Must have an AIB (NI) Current Account or eligible Select Account, and set up a monthly payment of £10 to £500 when you open it. Personal customers aged 18+ and UK resident; one account per person.
Please verify all details with the provider – see our Disclaimer
See all AIB (NI) accounts
