Save your initial deposit for a fixed period without making withdrawals. Earn a fixed rate of interest over that time. If you withdraw early, a breakage charge will apply
Fixed rate savings accounts
Get a fixed rate on the money you save when you lock it away for a fixed time
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
Fixed saving periods
Decide how long you want to save your money. Our fixed rate bond accounts let you choose a term of 1, 2 or 3 years. Prefer a tax-free option? Our fixed rate ISAs are available for 1 or 2 years
Fixed interest rates
Unlike easy access savings, where rates can go up or down, fixed rate accounts guarantee a set interest rate for the entire term you choose. Whether it’s 1, 2 or 3 years, you’ll know exactly how much your savings will earn
Online Bond
Earn more interest by locking your savings away for a fixed term. Open an account with a single deposit starting from as little as £500
Open this account
Online
Manage this account
Online
| 1 year |
4.15% Gross/AER fixed |
|---|---|
| 2 years |
3.85% Gross/AER fixed |
| 3 years |
3.70% Gross/AER fixed |
| Monthly interest options available. | |
Online ISA
Start saving today with just £100 for easy access and £500 for the fixed products
Open this account
Online
Manage this account
Online
| 1 year |
4.10% Tax free/AER fixed |
|---|---|
| 2 years |
3.85% 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 |
4.00% Gross/AER fixed |
|---|---|
| 2 years |
3.75% Gross/AER fixed |
| 3 years |
3.50% 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 |
3.95% Tax free/AER fixed |
|---|---|
| 2 years |
3.65% Tax free/AER fixed |
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
Many drivers look for an efficient way to save to buy a car or cover the on-going costs of owning one. Take a look at all the savings options to help you afford the ...
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.
Saving for a wedding
When you’re planning your big day you won’t want anything standing in the way – least of all cash worries. Starting to save early can help you make the most of your ...
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.
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. 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: 45 Gresham Street, London EC2V 7EH.
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.