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Open a savings account and make your money work for you. Our range includes tax-free and fixed-rate options to make what you save work harder, plus easy access if you need it
Compare 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
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
- 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 (2023/24)
- Choose from our Online ISA, Easy Access and Fixed Rate Cash ISAs, plus a Junior ISA
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. Choose monthly or annual interest
Go to Online Saver
Open this account
Online
Manage this account
Online
| Interest rate | 4.70% Gross/AER variable for the first 12 months. After 12 months this changes to 1.55% Gross/AER variable. |
|---|---|
| Monthly interest options available. | |
Online ISA
Start saving today with just £100. And consolidate existing ISAs in one place
Go to Online ISA
Open this account
Online
Manage this account
Online
| Easy Access | 4.90% Tax free/AER variable for the first 12 months. After 12 months this changes to 1.55% tax free/AER variable. |
|---|---|
| Available with 1- and 2-year fixed rate options all in the same online account. | |
Instant Saver
Get instant access to your savings with an ATM card. Open an account with as little as £100
Go to Instant Saver
Open this account
In branch | By post
Manage this account
In branch | By phone | By post | Online
| Interest rate | 4.10% Gross/AER variable for the first 12 months. After 12 months this changesto 1.55% gross/AER variable. |
|---|
Easy Access Cash ISA
Save tax-free from just £100, with no withdrawal limits. And transfer in your existing ISAs
Go to Easy Access Cash ISA
Open this account
In branch | By post
Manage this account
By phone | By post
| Interest rate | 3.80% Tax-free/AER variable for the first 12 months. After 12 months this changes to 1.55% tax-free/AER variable. |
|---|
Key information
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Need some help?
Savings help and support
For answers to common questions, helpful guides, to manage your existing account online or contact us:
Visit our savings support page
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. 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.
Protecting your savings
Find out more about the Financial Services Compensation Scheme (FSCS) and how it protects your savings.
About FSCS protection
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: Bow Bells House, 1 Bread Street, London, EC4M 9BE.
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.
