Savings
Want your money to work harder? From easy access to fixed rate accounts, and options you can manage online, in person, by post or by phone. We can help with that
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
Compare our savings accounts
Choose how you save with our range of accounts. Check our savings rates. And select an account to find out more.
Easy access
Online Saver
Easy access to your savings whenever you need them. Minimum amount to open £1.
Choose monthly or annual interest, calculated daily and paid annually between 20 and 25 March.
Open this account
Online
Manage this account
Online
| Interest rate with bonus | 3.95% Gross/AER variable (includes a fixed bonus of 2.80% gross for 12 months) |
|---|---|
| Interest rate without bonus after 12 months |
1.15% Gross/AER variable |
Instant Saver
Easy access to your savings whenever you need them. Minimum amount to open £1.
Choose monthly or annual interest, calculated daily and paid annually between 20 and 25 March.
Open this account
In branch | By post
Manage this account
In branch | By phone | By post | Online
| Interest rate with bonus | 3.40% Gross/AER variable (includes a fixed bonus of 2.25% gross for 12 months) |
|---|---|
| Interest rate without bonus after 12 months | 1.15% Gross/AER variable |
Fixed rates
Online Bond
Earn more interest by locking your savings away for a fixed term. Open an account with a single deposit of £500 up to a maximum of £2 million. No additional deposits, withdrawals or closures during the fixed term.
Interest is fixed, calculated daily and paid on either the monthly or annual anniversary of the account opening date.
Open this account
Online
Manage this account
Online
| 1 year |
3.90% Gross/AER fixed |
|---|---|
| 2 years |
3.70% Gross/AER fixed |
| 3 years |
3.60% Gross/AER fixed |
Growth Bond
Earn a fixed rate for a fixed term. Make a single deposit from £500 to £1 million.
No additional deposits, withdrawals or closures can be made during the fixed term.
Open this account
In branch | By post
Manage this account
Online | By phone | By post
| 1 year |
3.80% Gross/AER fixed |
|---|---|
| 2 years |
3.60% Gross/AER fixed |
| 3 years |
3.50% Gross/AER fixed |
ISAs
Online ISA
Save from £100 with easy access or from £500 in one deposit with fixed rate. No withdrawals during the fixed term.
Easy and Holding is paid on 20 March, Fixed on anniversary of product opening date.
Open this account
Online
Manage this account
Online
| Easy Access Interest rate with bonus |
4.05% Tax free/AER variable (includes a fixed bonus of 2.90% gross for 12 months) |
|---|---|
| Easy Access Interest rate without bonus after 12 months |
1.15% Tax free/AER variable |
| Fixed Rate 1 year |
3.85% Tax free/AER variable |
|---|---|
| Fixed Rate 2 year |
3.70% Tax free/AER variable |
Easy Access Cash ISA
Save tax-free from just £100, with no withdrawal limits.
Minimum amount to open £100. Annual interest, calculated daily and paid annually in March.
Open this account
In branch | By post
Manage this account
By phone | By post
| Interest rate with bonus | 3.30% Tax Free/AER variable (includes a fixed bonus of 2.15% gross for 12 months) |
|---|---|
| Interest rate without bonus after 12 months | 1.15% Tax Free/AER variable |
Fixed Rate Cash ISA
Save tax-free from £500. No additional deposits, withdrawals or closures can be made during the fixed term.
Interest is fixed, calculated daily and paid on the anniversary of the account opening date.
Open this account
In branch | By post
Manage this account
By phone | By post
| 1 year |
3.80% Tax-free/AER fixed |
|---|---|
| 2 years |
3.60% Tax-free/AER fixed |
Savings to suit you
-
Easy access
Keep your money somewhere safe, but withdraw whenever you like
- Earn a variable rate of interest on what you save
- Choose from our Online Saver, Instant Saver, Online ISA and Easy Access Cash ISA accounts
-
Fixed rate
Saving for the longer term? Earn a fixed rate of interest for a set period of time
- Typically earn higher rates of interest by limiting access to your money
- Choose from our Online Bond, Growth Bond, Online ISA or Fixed Rate Cash ISA
-
ISAs
Save tax-free with a fixed or variable rate of interest, or even both
- Save up to £20,000 tax-free in this tax year (2025/26)
- Choose from our Online ISA, Easy Access and Fixed Rate Cash ISAs
Key information
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?
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.
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.
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 ...
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.
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.
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).
Nominated Account:
A Nominated Account is a current account that we link to your savings account so that you can transfer money safely and securely. It must be a UK personal bank or building society account in your name(s) that accepts Direct Credits.
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.
Tax Efficient:
The income of the fund is subject to Corporation Tax. Capital gains in the fund are, however, exempt from Corporation Tax.
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.