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Savings

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

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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

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 (2024/25)
    • 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

4.10%

Gross/AER variable for the first 12 months. 

After 12 months this changes to 1.35% 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

4.10%

Tax free/AER variable for the first 12 months. 

After 12 months this changes to 1.35% 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

3.85% 

Gross/AER variable for the first 12 months. 

After 12 months this changes to 1.45% 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

3.65%

Tax-free/AER variable for the first 12 months. 

After 12 months this changes to 1.45% tax-free/AER variable.

Key information

A guide to savings
FSCS protection
Savings account interest rates
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What are ISAs and how do they work?

Want to know more about ISAs, the different options available and which of them might suit your savings needs? We can help with that.

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A guide to savings

Thinking of saving or investing, but don’t know where to start? This guide provides an introduction to the various options available.

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Saving for a car

Many drivers look for an efficient way to save to buy a car or cover the on-going costs of owning one. Take a look at all the savings options to help you afford the ...

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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.

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: 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.