For those with more than £1,000, AIB operates its Deposit Plus Account, with only seven days' notice needed to make withdrawals.

Tiered variable rates are available. For example, someone who deposits between £25,000 and £50,000 can earn interest of 3.25 per cent, while those who lodge up to £5,000 are able to get a return of 2.75 per cent. Also available are the bank's Notice Deposit 30 and 90 accounts. The 30-day account is currently giving a return of 4.5 per cent or 5 per cent for those who deposit more than £25,000.

The 90-day account has a return of 5.25 per cent for deposits between £25,000 and £50,000. Those who lodge less than this get a return of 5 per cent.

No minimum balance is required for the Notice Deposit 30 account, but £5,000 has to be deposited if opening a 90-day account. With a 90-day account one instant withdrawal of up to £2,000 can be made within any 90-day period without having to give notice.

Its one-month SSA account gives 4.5 per cent, while its three-month account gives a return of 5 per cent.