Easy Access

AIB (NI) Select Account Review

An easy access account from AIB (NI). It ranks 158th of 194 easy access accounts we track.

Variable rate

1.50%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Instant

Interest paid

Annually

How It Stacks Up

Ranks 158th of 194

Easy access accounts we track

Well below average
This account 1.50%
UK CPI (Aug 2026)
3.10%
Pays 1.60% less
Average easy access
2.86%
Pays 1.36% less
Best easy access
5.50%
Pays 4.00% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 3.05% more than this AIB (NI) account
  • Instant access, open with £10
Compare Easy Access Accounts

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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

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Estimated returns with AIB (NI)'s Easy Access

What you could earn with AIB (NI)'s Select Account.

Estimated interest

£1,000 saved

£15.00

At 1.5% AER

£5,000 saved

£75.00

At 1.5% AER

£10,000 saved

£150

At 1.5% AER

£50,000 saved

£750

At 1.5% AER

Estimated over one year, 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) Select Account

Jonny PeaseCo-Founder, DepositScout

AIB (NI)'s Select Account pays 1.50%, which is 3.50% below the easy access market leader at 5.00% and sits below the market average, so it is hard to recommend on rate alone. It also falls 1.60% short of the current CPI rate of 3.1%, meaning your money loses real value in this account. The minimum balance of just £1 keeps it accessible, but savers who want instant access can do considerably better elsewhere, with Monzo's Select Access Savings currently paying 3.15%.

2 alternatives to AIB (NI)'s Select Account

Same type of account, closest on rate.

Common questions about the Select Account

D

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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