There are four types of ISA saving accounts available to UK savers. At Post Office, we offer Cash ISAs with both variable and fixed rates and an Online ISA combining both.
ISAs
With tax-free savings of up to £20,000 in this tax year (2026/27), an ISA could help you hit your savings targets sooner than you think.
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
Online ISA
Easy access: save tax-free from just £100 with withdrawals available.
Fixed rate: save tax-free from £500 with a single deposit. No additional deposits or withdrawals are allowed during the fixed term.
Open this account
Online
Manage this account
Online
| Easy Access Interest rate with bonus |
4.16% Tax free/AER variable (includes a fixed bonus of 3.26% gross for 12 months) |
|---|---|
| Easy Access Interest rate without bonus after 12 months |
0.90% Tax free/AER variable |
| Fixed Rate 1 year |
4.30% Tax free/AER fixed |
|---|---|
| Fixed Rate 2 year |
4.25% Tax free/AER fixed |
Easy Access Cash ISA
Save tax-free from just £100, with unlimited withdrawals.
Open this account
In branch | By post
Manage this account
By phone | By post
| Interest rate with bonus | 3.00% Tax Free/AER variable (includes a fixed bonus of 2.10% gross for 12 months) |
|---|---|
| Interest rate without bonus after 12 months | 0.90% Tax Free/AER variable |
Fixed Rate Cash ISA
Save tax-free from £500 with a single deposit. No additional deposits or withdrawals are allowed during the fixed term.
Open this account
In branch | By post
Manage this account
By phone | By post
| 1 year |
3.50% Tax free/AER fixed |
|---|---|
| 2 years |
3.45% Tax free/AER fixed |
Types of ISA
Cash ISAs
Get a fixed or variable rate of interest on the money you save
Stocks and shares ISAs
Invest what you save in stocks and shares. The returns can be greater, but you may get back less than you put in
Innovative finance ISAs
Offer higher potential returns through peer-to-peer lending, but come with greater risk
Lifetime ISAs
A tax-free way to help 18- to 39-year-olds buy their first home or save for retirement
More about savings
Saving for a rainy day
Whether your pipes burst or an exciting event is on the cards, you’ll want to be able to make the most of your money by having a ‘rainy day’ fund.
Saving for a car
Buying a car is a big step, whether it’s your first set of wheels or an upgrade. But a good savings plan can help make it easier.
A guide to savings
Thinking of saving or investing, but don’t know where to start? This guide provides an introduction to the various options available.
What are ISAs and how do they work?
Want to know more about ISAs, the different options available and which of them might suit your savings needs? We can help with that.
How much can I save in an ISA?
An ISA, or individual savings account, is a tax-free way to save or invest your money. But how much can you put in one each year?
How to build an emergency fund: a savings guide
An emergency savings fund is your safety net for unexpected costs. This guide explains how to start an emergency fund, how much you need and why it’s so important.
What is a fixed rate bond?
Unsure about how fixed rate bonds work? We can help with that. In this guide, we’ll explain what fixed rate bonds are and how they can help your savings grow.
How many ISAs can I have?
ISAs, or individual savings accounts, have been a popular way to save or invest your money tax-free for years. But how many can you open?
Saving for a wedding
Planning your wedding should feel exciting, not stressful. Starting to save early helps you cover the cost of your dream day, avoid last-minute borrowing and make choices with confidence.
Common ISA questions
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An Individual Savings Account (ISA) is a way to save or invest money without paying tax on the interest or gains it makes, up to a certain deposit limit each tax year.
There are different types of ISA accounts for different needs and goals. For more details read the GOV.UK guidance on ISAs and our own guide to ISAs and how they work.
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The annual allowance for tax-free ISA savings is £20,000 in the 2025/26 tax year (running 6 April to 5 April). You can split this across different ISA types. For example, you might out half in a cash ISA and the other half in a stocks and shares ISA. These could be with the same or another ISA provider.
These rules are changing from April 2027. From that date, under 65s will be able to put a maximum £12,000 of their £20,000 tax-free allowance in a cash ISA. The rest must be in a stocks and shares ISA or an innovative finance ISA. Over 65s will still be able to split their allowance as they wish.
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No, the interest earned on savings in cash ISAs or the gains made in stocks and shares ISAs is tax-free up to the annual allowance.
The tax advantages of ISAs depend on your individual circumstances and the tax treatment may change in the future.
- For more FAQs visit our Savings support page
Definitions
AER:
AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was 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. 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.
Protecting your savings
Find out more about the Financial Services Compensation Scheme (FSCS) and how it protects your savings.
About our savings accounts
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.
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: 45 Gresham Street, London EC2V 7EH.
The above 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.