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 35
Underlying interest rate is variable, calculated daily and paid annually in March
Current rates effective from 29th November 2024
| Current AER | Current tax-free | |
|---|---|---|
|
For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate |
3.60% | 3.60% |
| After 12 months your rate is the variable underlying rate only | 1.35% | 1.35% |
Instant Saver
Issue 30
Underlying interest rate is variable, calculated daily and paid annually in March
Current rates effective from 29th November 2024
| Current AER | Current gross | |
|---|---|---|
| For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate | 3.75% | 3.75% |
| After 12 months your rate is the variable underlying rate only | 1.35% | 1.35% |
Online ISA Easy Access
Issue 44
Underlying interest rate is variable, calculated daily and paid annually in March
Current rates effective from 14th November 2024
| Current AER | Current tax-free | |
|---|---|---|
| For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate | 4.10% | 4.10% |
| After 12 months your rate is the variable underlying rate only | 1.35% | 1.35% |
Online Saver
Issue 77 Annual Interest
Underlying interest rate is variable, calculated daily and paid annually between 20 and 25 March
Current rates effective from 14th November 2024
| Current AER | Current gross | |
|---|---|---|
| For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate | 4.10% | 4.10% |
| After 12 months your rate is the variable underlying rate only | 1.35% | 1.35% |
Issue 77 Monthly Interest
Underlying interest rate is variable, calculated daily and paid on the first business day of each month
Current rates effective from 14th November 2024
| Current AER | Current gross | |
|---|---|---|
| For the first 12 months, your rate is a fixed 12 month bonus rate plus a variable underlying rate | 4.10% | 4.02% |
| After 12 months your rate is the variable underlying rate only | 1.35% | 1.34% |
Easy Saver
Issue 11
Interest is variable, calculated daily and paid on the anniversary of the account opening date (or closest business day)
Current rates effective from 14th November 2024
| Current AER | Current gross |
|---|---|
| 1.35% | 1.35% |
Loyalty Bond Holding Account
Interest is variable, calculated daily and paid when funds are transferred into the Loyalty Bond
Current rates effective from 29th November 2024
| Current AER | Current gross |
|---|---|
| 1.45% | 1.45% |
Online ISA Holding Account
Interest is variable, calculated daily and paid annually in March
Current rates effective from 29th August 2024
| Current AER | Current tax-free |
|---|---|
| 1.45% | 1.45% |
Online Easy Saver
Issue 11
Interest is variable, calculated daily and paid on the anniversary of the account opening date (or closest business day)
Current rates effective from 14th November 2024
| Current AER | Current gross |
|---|---|
| 1.35% | 1.35% |
Fixed rates
Fixed Rate Cash ISA
Issue 47
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
Current rates effective from 29th November 2024
| Current AER | Current tax-free | |
|---|---|---|
| 1 year | 3.95% | 3.95% |
| 2 year | 3.65% | 3.65% |
Growth Bond
Issue 62
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
Current rates effective from 29th November 2024
| Current AER | Current gross | |
|---|---|---|
| 1 year | 4.00% | 4.00% |
| 2 year | 3.75% | 3.75% |
| 3 year | 3.50% | 3.50% |
Online Bond
Issue 127
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)
Current rates effective from 14th November 2024
| Current annual rate | Current monthly rate | |||
|---|---|---|---|---|
| AER | Gross | AER | Gross | |
| 1 year | 4.05% | 4.05% | 4.05% | 3.97% |
| 2 year | 3.75% | 3.75% | 3.75% | 3.68% |
| 3 year | 3.70% | 3.70% | 3.70% | 3.63% |
Online ISA Fixed Rate
Issue 54
Interest is fixed, calculated daily and paid on the anniversary of the account opening date
Current rates effective from 14th November 2024
| Current AER | Current tax-free | |
|---|---|---|
| 1 year | 4.00% | 4.00% |
| 2 year | 3.65% | 3.65% |
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 AER | Current tax-free | |
|---|---|---|
| 1 year | 4.00% | 4.00% |
| 2 year | 3.70% | 3.70% |
| 3 year | 3.65% | 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
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 128
(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)
Current rates effective from 14th November 2024
| Current annual rate | Current monthly rate | |||
|---|---|---|---|---|
| AER | Gross | AER | Gross | |
| 1 year | 4.06% | 4.06% | 4.06% | 3.98% |
| 2 year | 3.76% | 3.76% | 3.76% | 3.69% |
| 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.