Interest rates
Interest rates on all available savings accounts can be found in the following tables.
Are you an existing savings customer with a product not listed below? You can find your interest rate in our Savings Accounts and Interest rates guide.
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 36
Minimum amount to open £100. Annual interest, calculated daily and paid annually in March.
Current rates effective from 06th March 2025
| Interest rate with bonus (includes a fixed bonus of 2.25% gross for 12 months) | 3.50% Tax Free/AER variable |
|---|---|
| Interest rate without bonus after 12 months | 1.25% Tax Free/AER variable |
Instant Saver
Issue 31
Minimum amount to open £100. Annual interest, calculated daily and paid annually between 20 and 25 March.
Current rates effective from 06th March 2025
| Interest rate with bonus (includes a fixed bonus of 2.35% gross for 12 months) | 3.60% Gross/AER variable |
|---|---|
| Interest rate without bonus after 12 months | 1.25% Gross/AER variable |
Online ISA Easy Access
Issue 47
Minimum amount to open £100. Annual interest, calculated daily and paid annually between 20 and 25 March.
Current rates effective from 15th April 2025
| Interest rate with bonus (includes a fixed bonus of 2.80% gross for 12 months) |
4.05% Tax Free/AER variable |
|---|---|
| Interest rate without bonus after 12 months | 1.25% Tax Free/AER variable |
Online Saver
Issue 80 Annual Interest
Minimum amount to open £1. Annual interest, calculated daily and paid annually between 20 and 25 March.
Current rates effective from 15th April 2025
| Interest rate with bonus (includes a fixed bonus of 2.80% gross for 12 months) | 4.05% Gross/AER variable |
|---|---|
| Interest rate without bonus after 12 months |
1.25% Gross/AER variable |
Issue 80 Monthly Interest
Minimum amount to open £1. Monthly interest, calculated daily, will be paid on the first business day of each month.
Current rates effective from 15th April 2025
| Interest rate with bonus (includes a fixed bonus of 2.73% gross for 12 months) | 3.97%
Gross/ 4.05% AER variable |
|---|---|
| Interest rate without bonus after 12 months | 1.24%
Gross/ 1.25% AER variable |
Easy Saver
Issue 12
Interest is variable, calculated daily and paid on the anniversary of the account opening date (or closest business day)
Current rates effective from 12th February 2025
| Current Gross/AER |
|---|
| 1.25% |
Loyalty Bond Holding Account
Interest is variable, calculated daily and paid when funds are transferred into the Loyalty Bond
Current rates effective from 06th March 2025
| Current Gross/AER |
|---|
| 1.25% |
Online ISA Holding Account
Interest is variable, calculated daily and paid annually in March
Current rates effective from 06th March 2025
| Current Gross/AER |
|---|
| 1.25% |
Online Easy Saver
Issue 12
Interest is variable, calculated daily and paid on the anniversary of the account opening date (or closest business day)
Current rates effective from 12th February 2025
| Current Gross/AER |
|---|
| 1.25% |
Fixed rates
Fixed Rate Cash ISA
Issue 47
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
No additional deposits, withdrawals or closures can be made during the fixed term
Current rates effective from 06th March 2025
| Current Gross/AER | |
|---|---|
| 1 year | 3.95% |
| 2 year | 3.65% |
Growth Bond
Issue 62
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
No additional deposits, withdrawals or closures can be made during the fixed term
Current rates effective from 29th November 2024
| Current Gross/AER | |
|---|---|
| 1 year | 4.00% |
| 2 year | 3.75% |
| 3 year | 3.50% |
Online Bond
Issue 131
Interest is fixed, calculated daily and paid on either the monthly or annual anniversary of the account opening date, or the closest business day (depending on the interest payment option chosen)
No additional deposits, withdrawals or closures can be made during the fixed term
Current rates effective from 15th April 2025
| Current annual rate | Current monthly rate | |||
|---|---|---|---|---|
| AER | Gross | AER | Gross | |
| 1 year | 3.95% | 3.95% | 3.95% | 3.88% |
| 2 year | 3.80% | 3.80% | 3.80% | 3.73% |
| 3 year | 3.70% | 3.70% | 3.70% | 3.63% |
Online ISA Fixed Rate
Issue 57
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
Current rates effective from 15th April 2025
| Current Gross/AER | |
|---|---|
| 1 year | 3.95% |
| 2 year | 3.80% |
Fixed Rate Cash ISA (loyalty)
Loyalty Issue 28
(available to maturing Fixed Rate Cash ISA customers only)
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
Current rates effective from 29th November 2024
The loyalty rate received will be the rate offered in your maturity letter. This rate may differ from the rates shown in the table
| Current Gross/AER | |
|---|---|
| 1 year | 4.00% |
| 2 year | 3.70% |
| 3 year | 3.65% |
Loyalty Bond
Issue 74
(available to maturing Growth Bond & Loyalty Bond customers only)
Interest is fixed, calculated daily and paid when your bond matures
No additional deposits, withdrawals or closures can be made during the fixed term
Current rates effective from 29th November 2024
| Current AER | Current gross | |
|---|---|---|
| 1 year | 4.05% | 4.05% |
| 2 year | 3.80% | 3.87% |
| 3 year | 3.55% | 3.67% |
Online Bond (maturing customers)
Issue 132
(available to maturing Online Bond customers only)
Interest is fixed, calculated daily and paid on either the monthly or annual anniversary of the account opening date, or the closest business day (depending on the interest payment option chosen)
No additional deposits, withdrawals or closures can be made during the fixed term
Current rates effective from 15th April 2025
| Current annual rate | Current monthly rate | |||
|---|---|---|---|---|
| AER | Gross | AER | Gross | |
| 1 year | 3.96% | 3.96% | 3.96% | 3.88% |
| 2 year | 3.81% | 3.81% | 3.81% | 3.74% |
| 3 year | 3.71% | 3.71% | 3.71% | 3.64% |
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.