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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
Deposit £2,000 or more into an eligible new or existing branch savings account* between 30 December 2024 and 2 March 2025 to enter our prize draws. There's a fresh chance to win every week.
*Eligible savings accounts are a new or existing Instant Savers, Growth Bond, Easy Access Cash ISA, Fixed Rate Cash ISA, or a new Loyalty Bond, or an existing Reward Saver, or Easy Saver
Choose how you save with our range of accounts. Check our savings rates. And select an account to find out more.
Easy access to your savings whenever you need them. Choose monthly or annual interest
Open this account
Online
Manage this account
Online
| Interest rate |
4.10% Gross/AER variable for the first 12 months. After 12 months this drops to 1.35% Gross/AER variable. |
|---|---|
| Monthly interest options available. | |
Get instant access to your savings with an ATM card. Open an account with as little as £100
Open this account
In branch | By post
Manage this account
In branch | By phone | By post | Online
| Interest rate |
3.75% Gross/AER variable for the first 12 months. After 12 months this drops to 1.35% gross/AER variable. |
|---|
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
Open this account
Online
Manage this account
Online
| 1 year |
4.05% Gross/AER fixed |
|---|---|
| 2 years |
3.75% Gross/AER fixed |
| 3 years |
3.70% Gross/AER fixed |
| Both annual and monthly interest options available. | |
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 |
Save from £100 with easy access or from £500 in one deposit with fixed rate. No withdrawals during the fixed term
Open this account
Online
Manage this account
Online
| Easy Access |
4.10% Tax free/AER variable for the first 12 months. After 12 months this drops to 1.35% tax free/AER variable. |
|---|---|
| Fixed Rate 1 year |
4.00% Tax free/AER fixed |
| Fixed Rate 2 year |
3.65% Tax free/AER fixed |
Save tax-free from just £100, with no withdrawal limits.
Open this account
In branch | By post
Manage this account
By phone | By post
| Interest rate |
3.60% Tax-free/AER variable for the first 12 months. After 12 months this drops to 1.35% tax-free/AER variable. |
|---|
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 |
Tax-efficient savings for under 18s. Pay in from £10 per month or a lump sum of £100 or more
Open this account
Online
Manage this account
Online | By phone | By post
Keep your money somewhere safe, but withdraw whenever you like
Saving for the longer term? Earn a fixed rate of interest for a set period of time
Save tax-free with a fixed or variable rate of interest, or even both
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What are ISAs and how do they work?
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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 ...
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. 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.
Find out more about the Financial Services Compensation Scheme (FSCS) and how it protects your savings.
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.