Expat rates: why AIB International savers must get moving As far as the variable-rates accounts are concerned, AIB International's Privilege Demand, which is currently paying 2.5pc on its sterling version (2.2pc for euros and 2.1pc for dollars) will pay 2pc (1.7pc/1.6pc) from June 1; then will fall to 1.25pc (0.95pc/0.85pc) from July 2; and then on August 20, the rate will fall to 0pc on all denominations of the account. Instant saver, which currently pays 2.5pc (2.35pc/1.8pc) will fall to 2pc/1.85pc/1.3pc) on June 1; then 1.25pc/1.1pc/0.55pc) on July 1; then 0pc from August 20. Other accounts with interest rates being phased down to 0pc by August 20 are 32 Day Saver, 60 Day Saver, Access, Income, 7 Day and 90 Day Accrual. For savers leaving AIB International, the best easy-access deal at the moment is Nationwide International's 2.5pc on a minimum £25,000; or Alliance & Leicester's 2.45pc on £5,000 plus. Those who want certainty could go for a one-year fixed rate of 3.5pc with Alliance & Leicester on £5,000. If they want long-term certainty, Lloyds TSB International pays 4.5pc on a minimum £10,000; or there is the new 4pc three- year fixed-rate International Reserve Bond from Skipton International on a minimum deposit of £10,000. The new Skipton deal equals the top rates paid by Lloyds TSB International and Clydesdale for three years. Fixed-rate deals could look particularly good if the UK does follow the advice of International Monetary Fund chief Christine Lagarde and considers a cut in base rate from its already low 0.5pc. RBS customers moved to NatWest Another name is to disappear for offshore savers and current-account holders. The RBS International brand is to go, with its personal banking customers transferred to its sister brand, NatWest International. A statement on the bank's website says that while the Royal Bank of Scotland International has had two brands, RBS International and NatWest International, "there has actually been greater development under the NatWest brand." As a result, over the next 18 months RBS International personal customers will be moved to the NatWest brand. Business and commercial customers will remain under the RBS name.