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.


Covering those unexpected bills needn’t be too stressful with a bit of planning and the right account.

There are a few ways to save for when you need an extra bit of cash:

1.   Put a lump sum away to let it earn interest until you need it

2.  Save little and often to keep building up your rainy day fund.

Whichever way you choose to save, you'll need an account that lets you have access to your money fairly quickly.

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.

Easy Access Savings

A more traditional savings account gives you the flexibility to withdraw your money quickly and easily.

Instant Saver

  • Access online, in branch, by phone, ATM or post
  • Open with just £100: top-up whenever you choose



Online Saver

  • Easy access, no withdrawal limits
  • Choose annual or monthly interest payments




Getting the most of your savings by using your tax-free allowance is usually a great way of earning a rate of interest to boost your savings. Make sure your ISAs allow you to make withdrawals so that you can get to your money when you need it.

Don't forget there is a maximum you can pay into an ISA in any tax year, which means you may not be able to replace any money you withdraw.


Online ISA

  • Choose as many variable or fixed rates as you like
  • Easy Access: open with £100
  • Fixed Rate: open with £500
  • Transfer-in existing ISAs



Easy Access Cash ISA

  • Unlimited withdrawals per tax year
  • Tax-free savings from just £100
  • Open with £100
  • Transfer-in existing ISAs



Whatever your savings targets and how you choose to save, look at all of your options before deciding on which options are right for you. If you’re in any doubt you might want to seek the advice of an Independent Financial Advisor.

Show me everything

Not quite right? Compare all our savings accounts on one helpful page.

Give us a call

For ISA queries:

0800 169 7500 9:00am - 7:00pm, Mon - Fri
9:00am - 1:00pm Sat
Closed Sun and Bank Holidays

All other savings accounts:

0800 169 7500 9:00am - 7:00pm, Mon - Fri
9:00am - 2:00pm, Sat
Closed Sunday