Post Office savings accounts

The Post Office is best known for its savings accounts, though it offers a range of other financial products such as credit cards, travel insurance mortgages and loans.

Under its savings banner, you will find a range of options such as ISAs, fixed rate bonds, regular savings and easy access accounts, which can be operated both online and offline. However, it’s important to compare any Post Office deals with the wider savings market before investing.

Compare Post office savings accounts - Ordered by interest rate (AER)

    • Provider/Product name Online Bond Issue 14

      Post Office Money

      Online Bond Issue 14

    • Interest rate (AER) 2.11% Fixed
    • Min/Max opening amount £500 to £2,000,000
    • Notice / Term Term: 3 year bond
    • Account type Fixed Rate Bond
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Growth Bond Issue 25

      Post Office Money

      Growth Bond Issue 25

    • Interest rate (AER) 2.10% Fixed
    • Min/Max opening amount £500 to £1,000,000
    • Notice / Term Term: 3 year bond
    • Account type Fixed Rate Bond
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Online Bond Issue 14

      Post Office Money

      Online Bond Issue 14

    • Interest rate (AER) 1.96% Fixed
    • Min/Max opening amount £500 to £2,000,000
    • Notice / Term Term: 2 year bond
    • Account type Fixed Rate Bond
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Growth Bond Issue 25

      Post Office Money

      Growth Bond Issue 25

    • Interest rate (AER) 1.95% Fixed
    • Min/Max opening amount £500 to £1,000,000
    • Notice / Term Term: 2 year bond
    • Account type Fixed Rate Bond
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Fixed Rate Cash ISA Issue 15

      Post Office Money

      Fixed Rate Cash ISA Issue 15

    • Interest rate (AER) 1.90% Fixed
    • Min/Max opening amount £500 to £ no limit
    • Notice / Term Term: 3 year bond
    • Account type Fixed Rate Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    Great for
    Transferring existing ISA balances
    But be aware that
    Application can only be made via post or branch
    Withdrawals are not permitted within the fixed term
  1. Great for
    The Online ISA account offers you the flexibility to spread your allowance across easy access and fixed rate products
    Flexibility to manage your money online 24/7
    But be aware that
    The Online ISA is provided by Family Investments. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK
    If you wish to spread your ISA balance across both the variable and fixed rate accounts you will need to open the holding account first - this can easily be done as part of the online application
    A breakage charge will occur if you move money from the Fixed Rate account during the fixed term
    • Provider/Product name Fixed Rate Cash ISA Issue 15

      Post Office Money

      Fixed Rate Cash ISA Issue 15

    • Interest rate (AER) 1.80% Fixed
    • Min/Max opening amount £500 to £ no limit
    • Notice / Term Term: 2 year bond
    • Account type Fixed Rate Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    Great for
    Transferring existing ISA balances
    But be aware that
    Application can only be made via post or branch
    Withdrawals are not permitted within the fixed term
    • Provider/Product name Online Bond Issue 14

      Post Office Money

      Online Bond Issue 14

    • Interest rate (AER) 1.66% Fixed
    • Min/Max opening amount £500 to £2,000,000
    • Notice / Term Term: 1 year bond
    • Account type Fixed Rate Bond
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Growth Bond Issue 25

      Post Office Money

      Growth Bond Issue 25

    • Interest rate (AER) 1.65% Fixed
    • Min/Max opening amount £500 to £1,000,000
    • Notice / Term Term: 1 year bond
    • Account type Fixed Rate Bond
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

  2. Great for
    The Online ISA account offers you the flexibility to spread your allowance across easy access and fixed rate products
    Flexibility to manage your money online 24/7
    But be aware that
    The Online ISA is provided by Family Investments. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK
    If you wish to spread your ISA balance across both the variable and fixed rate accounts you will need to open the holding account first - this can easily be done as part of the online application
    A breakage charge will occur if you move money from the Fixed Rate account during the fixed term
    • Provider/Product name Fixed Rate Cash ISA Issue 15

      Post Office Money

      Fixed Rate Cash ISA Issue 15

    • Interest rate (AER) 1.60% Fixed
    • Min/Max opening amount £500 to £ no limit
    • Notice / Term Term: 1 year bond
    • Account type Fixed Rate Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    Great for
    Transferring existing ISA balances
    But be aware that
    Application can only be made via post or branch
    Withdrawals are not permitted within the fixed term
  3. Great for
    The Online ISA account offers you the flexibility to spread your allowance across easy access and fixed rate products
    The flexibility to manage your money online 24/7 with unlimited penalty free withdrawals
    Ability to make additional deposits, transfer in your existing ISAs and move money between products
    But be aware that
    The Online ISA is provided by Family Investments. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK
    If you wish to spread your ISA balance across both the variable and fixed rate accounts you will need to open the holding account first - this can easily be done as part of the online application
    A breakage charge will occur if you move money from the Fixed Rate account during the fixed term
    • Provider/Product name Premier Cash ISA Issue 9

      Post Office Money

      Premier Cash ISA Issue 9

    • Interest rate (AER) 1.40% Variable Includes Fixed bonus of 0.75% for 18 months
    • Min/Max opening amount £100 to £ no limit
    • Notice / Term Notice Period: none
    • Account type Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    Great for
    Those who don’t need regular access
    Adding additional funds (cannot be done online)
    But be aware that
    Postal application only and access to your account once opened must be made via post or branch
    Only two withdrawals permitted per tax year
    • Provider/Product name Reward Saver Issue 9

      Post Office Money

      Reward Saver Issue 9

    • Interest rate (AER) 1.30% Variable Includes Fixed bonus of 0.65% for 12 months
    • Min/Max opening amount £500 to £2,000,000
    • Notice / Term Notice Period: 30 days
    • Account type Notice Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Online Saver Issue 14

      Post Office Money

      Online Saver Issue 14

    • Interest rate (AER) 1.20% Variable Includes Fixed bonus of 0.55% for 12 months
    • Min/Max opening amount £1 to £2,000,000
    • Notice / Term Notice Period: none
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    • Provider/Product name Instant Saver Issue 5

      Post Office Money

      Instant Saver Issue 5

    • Interest rate (AER) 1.00% Variable Includes Fixed bonus of 0.90% for 12 months
    • Min/Max opening amount £500 to £1,000,000
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    Great for
    Unlimited withdrawals without penalties
    Opening with just £500
    But be aware that
    No interest is paid on balances below £500

Post Office Savings Guide

If you’re looking to put some money in savings, the Post Office has a number of options to help you make the most of that money, ranging from its regular savings accounts to fixed rate bonds and Individual Savings Accounts (ISAs).

Some of the Post Office savings accounts allow you to deposit and withdraw cash whenever you want, whereas others lock your money in until the end of the agreed term.

ISAs allow you to earn interest on the money you earn without having to pay tax. The amount you are allowed to invest in an ISA changes at the start of each new tax year, so be sure to check this year’s allowance if you’re thinking of opening an ISA.

Picking the right account for you will depend on what you are saving for, how long you intend to save for and whether or not you will be making withdrawals from the account.

If you’re looking to provide for your children’s future, the Post Office also has accounts tailored towards children in the form of Child Trust Funds and children’s savings accounts.

The first £85,000 of any savings held with the Post Office is now protected by the Financial Services Compensation Scheme (FSCS).

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