We offer easy access savings accounts, such as Online Saver and Instant Saver, which you can open online, in branch or by post. Depending on the account, you can withdraw your savings from ATMs, in branch or transfer to another account. There are restrictions on withdrawals for some accounts listed.
Easy access accounts
Earn a variable interest rate on what you save with a range of withdrawal options
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
Access your money your way
Online
You can open an Online Saver or Online ISA online. And you can manage them, plus our Instant Saver account, online too
In branch
Want to open and manage an easy access savings account in person? Our Instant Saver account and Easy Access Cash ISA give you that option
ATMs
Need instant access to your savings? Choose our Instant Saver account and you can withdraw your savings at a cash machine
By post
Prefer to open an account and manage it by post? Our Instant Saver and Easy Access Cash ISA options may suit you. You can manage this ISA by phone too
Online Saver
Easy access to your savings whenever you need them. Manage your account online, and get your interest monthly or annually
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
Save tax-free in an ISA you can open and manage online. Consolidate existing ISAs in one place. Start saving with just £100 for easy access and £500 for the fixed account
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
Open an account with as little as £100. Access your savings with an ATM card, online, in branch or by post
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 changes to 1.35% gross/AER variable. |
|---|
Easy Access Cash ISA
Save tax-free from just £100 with this easy access cash ISA. There’s no limit on how often you withdraw savings
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 changes to 1.35% tax-free/AER variable. |
|---|
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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.
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.
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.
Definitions
AER:
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
Gross:
Gross rates are variable and do not take into account deductions of income tax.
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).
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 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.
The tax advantages of the Easy Access Cash ISA depend on your individual circumstances and the tax treatment may change in the future.
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.