Investing in multiple jars

Easy Access Accounts

Savings Accounts that provide you with a variable rate, and the ability to make withdrawals when you like.

 

Post Office Money ISAs are provided by OneFamily. Savings in Post Office Money Cash ISAs are deposited with Bank Of Ireland UK. All other Post Office Money accounts are provided by Bank Of Ireland UK.

Explaining Easy Access Savings Accounts

When you want to save but prefer to keep your money somewhere you can get to if needed, an easy access account could be the right choice.

Depending on which account you take out, you’ll be able to withdraw your money from an ATM, in branch, or transfer it to another account. There are restrictions on withdrawals for the accounts listed.

Easy Access Accounts available through Post Office Money®

Post Office Money Easy Access are provided by Bank Of Ireland

Products Why this option Rate Manage
Instant Saver
  • Instant access to your money
  • Unlimited free withdrawals
  • Open with just £100: top-up whenever you choose

0.75% gross/AER* variable for the first 12 months

After 12 months this reverts to 0.10% gross/AER* variable

Interest is calculated daily and paid annually in March

  • Online
  • By post
  • ATM
  • In branch

Find out more >

Online Saver
  • Start saving with just £1
  • No withdrawal limits
  • Choose annual or monthly interest payments
  • Transfer your money from an existing Post Office Money account

1.30%gross/AER* variable for the first 12 months
 
After 12 months this reverts to 0.50% gross/AER* variable

Monthly rates available

Interest is calculated daily and paid either annually in March or on the first business day each month

  • Online

Find out more >

Easy Access Cash ISA
  • Unlimited withdrawals each tax year, once withdrawn you cannot replace your money without it affecting your current ISA allowance
  • The minimum withdrawal amount is £10 or the value of your ISA (if it is less). 
  • Open with £100. You can deposit up to £20,000 into your Easy Access Cash ISA this tax year (subject to contributions in other types of ISAs)

 

0.90%Tax-free/AER* variable for the first 12 months
 
After 12 months this changes to 0.25% gross/AER* variable

Interest is calculated daily and paid annually in March

  • By post
  • In branch
  • By phone 

Find out more >

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year

Post Office Money ISAs are provided by OneFamily. Savings in Post Office Money Cash ISAs are deposited with Bank Of Ireland UK. All other Post Office Money accounts are provided by Bank Of Ireland UK.

Small print

Information correct as of 6th April 2019

The tax advantages of the Easy Access Cash ISA depend on your individual circumstances and the tax treatment may change in the future.

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.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authorityopens in new window website.

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