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Post Office ISAs are provided by OneFamily. Savings in Post Office cash ISAs are deposited with Bank of Ireland UK. All other Post Office savings accounts are provided by Bank of Ireland UK

How fixed rate accounts work

Save your initial deposit for a fixed period, without making withdrawals. And earn a fixed rate of interest over that time.

Fixed saving periods

Choose how long to lock your money away for. Our fixed rate bond accounts offer a choice of fixed periods: 1, 2 or 3 years. Or you can save in one of our fixed rate ISAs for 1 or 2 years

Fixed interest rates

Unlike easy access savings, whose interest rates can vary, fixed rate accounts do as their name suggests. They'll earn a set rate of interest for the term you choose, whether that's 1, 2 or 3 years

Online Bond

Earn more interest by locking your savings away for a fixed term. Open an account with as little as £500

Open this account
Online

Manage this account
Online

1 year

4.65%

Gross/AER fixed

2 years

4.20%

Gross/AER fixed

3 years

4.00%

Gross/AER fixed

Monthly interest options available.

 

Online ISA

Start saving today with just £100 for easy access and £500 for the fixed account

Open this account
Online

Manage this account
Online

1 year

4.65%

Tax free/AER fixed

2 years

4.00%

Tax free/AER fixed

Available with easy access options all in the same online account

 

Growth Bond

Earn a fixed rate for a fixed term. Make a single deposit from £500 to £1 million

Open this account
In branch | By post

Manage this account
Online | By phone | By post

1 year

4.45%

Gross/AER fixed

2 years

4.25%

Gross/AER fixed

3 years

4.10%

Gross/AER fixed

 

Fixed Rate Cash ISA

Save tax-free from £500. Make one deposit and no withdrawals

Open this account
In branch | By post

Manage this account
By phone | By post

1 year

4.35%

Tax free/AER fixed

2 years

4.15%

Tax free/AER fixed

 

Definitions

AER:
AER stands for Annual Equivalent Rate. It shows what the interest rate would be if interest were paid and added to your account each year.

Gross:
Gross rates means we will not automatically deduct tax from the interest we pay on money in your account. It’s your responsibility to pay any tax you may owe to HM Revenue & Customs (HMRC).

Linked account:
A Linked Account is a current account that we link to your savings account so that you can transfer money between accounts safely and securely. It must be a UK personal bank or building society account in your name(s).

Variable:
A variable rate of interest can go up or down throughout the lifetime of a savings account.

Fixed:
A fixed rate of interest remains the same and does not change for the duration of the term.

Tax-free:
Tax-free means that interest paid will be free from UK Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future.

Need some help?

Savings help and support

For answers to common questions, helpful guides, to manage your existing account online or contact us:

Visit our savings support page

Protecting your savings

Find out more about the Financial Services Compensation Scheme (FSCS) and how it protects your savings.

About FSCS protection

About our savings accounts

Post Office ISAs are provided by OneFamily. Savings in Post Office cash ISAs are deposited with Bank of Ireland UK. Post Office Online Bond and Growth Bond are provided by Bank of Ireland UK.

OneFamily is a trading name of Family Assurance Friendly Society Limited (incorporated under the Friendly Societies Act 1992, Reg. No. 939F), of which Family Equity Plan Limited (Co. No. 2208249) is a subsidiary. Financial Services Register numbers 110067 and 122351 respectively. Registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL, United Kingdom. Family Assurance Friendly Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Family Equity Plan Limited is authorised and regulated by the Financial Conduct Authority.

Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 512956. Registered in England and Wales (No. 07022885). Registered Office: Bow Bells House, 1 Bread Street, London, EC4M 9BE.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website.

Post Office Limited is registered in England and Wales (No. 2154540). Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.