All about Bonds

When tucking your savings away for a fixed term is important, a Bond could be just the right account for you.


Post Office Money Online Bond and Growth Bond are provided by Bank of Ireland UK

How long do Bonds last?

A savings Bond can be any period – most common are one, two or three year terms. During this time you'll restrict access to your money but could be rewarded with a higher rate of interest.

Can you make deposits to Bonds?

Generally, the initial deposit is the only amount you’ll be able to save in a Bond.

What’s the interest?

Bonds will give you a fixed rate of interest for the entire term, which you'll lock into when your account is opened.

Bonds available through Post Office Money®

Post Office Money® Bonds are provided by Bank of Ireland UK

Products Why this option Rate Manage
Online Bond
  • Choose annual or monthly interest payments
  • Deposit from £500 - £2million
  • Transfer from your bank account 

1.50%gross/AER fixed for 1 year (annual rate)

Monthly rates available

  • Online

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1.70%gross/AER fixed for 2 years (annual rate)

Monthly rates available

1.90%gross/AER fixed for 3 years (annual rate)

Monthly rates available

Growth Bond
  • Deposit from £500-£1million
  • Transfer money from an existing Post Office Savings account or pay in money by cheque. 

1.20%gross/AER fixed for 1 year

  • Online
  • By phone
  • By post

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1.35%gross/AER fixed for 2 years
1.50%gross/AER fixed for 3 years

Post Office Money Online Bond and Growth Bond are provided by Bank of Ireland UK

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.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website or by contacting the FCA on 0800 111 6768.

Post Office Limited is registered in England and Wales (No. 2154540). Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office and the Post Office Money logo are registered trademarks of Post Office Limited.