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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 variable and fixed interest rates

Find the latest interest rates on all our available savings accounts

Variable rates

Easy Access Cash ISA

Issue 33

Underlying interest rate is variable, calculated daily and paid annually in March

Current rates effective from 28th September 2023

  Current AER Current tax-free

 For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate

3.80% 3.80%
After 12 months your rate is the variable underlying rate only 1.55% 1.55%

 

Instant Saver

Issue 28

Underlying interest rate is variable, calculated daily and paid annually in March

Current rates effective from 28th September 2023

  Current AER Current gross
For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate 4.10% 4.10%
After 12 months your rate is the variable underlying rate only  1.55% 1.55%

 

Online ISA Easy Access

Issue 40

Underlying interest rate is variable, calculated daily and paid annually in March 

Current rates effective from 5th October 2023

  Current AER Current tax-free
For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate 4.90% 4.90%
After 12 months your rate is the variable underlying rate only 1.55% 1.55%

 

Online Saver

Issue 71 Annual Interest

Underlying interest rate is variable, calculated daily and paid annually between 20 and 25 March

Current rates effective from 13th March 2024

  Current AER Current gross
For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate 4.90% 4.90%
After 12 months your rate is the variable underlying rate only 1.55% 1.55%

 

Issue 71 Monthly Interest

Underlying interest rate is variable, calculated daily and paid on the first business day of each month

Current rates effective from 13th March 2024

  Current AER Current gross
For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate 4.90% 4.79%
After 12 months your rate is the variable underlying rate only 1.55% 1.53%

 

Easy Saver

Issue 9

Interest is variable, calculated daily and paid on the anniversary of the account opening date (or closest business day)

Current rates effective from 31st August 2023

Current AER Current gross
1.55% 1.55%

Loyalty Bond Holding Account

Interest is variable, calculated daily and paid when funds are transferred into the Loyalty Bond

Current rates effective from 31st August 2023

Current AER Current gross
1.55% 1.55%

 

Online ISA Holding Account

Interest is variable, calculated daily and paid annually in March

Current rates effective from 1st September 2023

Current AER Current tax-free
1.55% 1.55%

 

Online Easy Saver

Issue 9

 

Interest is variable, calculated daily and paid on the anniversary of the account opening date (or closest business day)

Current rates effective from 31st August 2023

Current AER Current gross
1.55% 1.55%

 

Definitions

Fixed: A fixed rate of interest remains the same and does not change for the duration of the term.

Variable: A variable rate of interest can go up or down throughout the lifetime of a savings account.

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).

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.