mai 17, 2022

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AIB raises fees on deposits with negative rates as European Central Bank adjusts interest rate on long fingers

AIB plans to increase its fee on deposit accounts subject to negative rates to 0.75 per cent, the highest among Irish retail banks.

The latest move means that AIB increases the burden on major savers while continuing to protect families and businesses with less than €1 million in stock.

Meanwhile, although AIB indicated early last year that it plans to apply negative rates to personal accounts of more than 1 million euros by the end of 2021, this will only take effect from May.

The bank began telling customers on Monday about the changes.

accounts

AIB applies a negative rate of 0.5 per cent to affected accounts, in line with the fees that the European Central Bank (ECB) charges banks for excess deposits they hold.

In 2014, the European Central Bank became the first major central bank to implement a negative deposit rate policy, in an effort to get banks to increase lending and boost inflation and economic activity.