Handled with Care Log In Business Mail Your Finances Insurance Travel Broadband & Phone Driving Identity & Licences Shop Interest rates Current rates Previous rates You can check out our latest interest rates for our Savings accounts on this page. To view our previous rates, use the ‘Previous’ tab above Variable Rate Savings Accounts Cash ISA - Standard Variable Rate only (applies to customers whose Fixed Rate ISA terms have ended) Instant Saver Issue 5 Easy Saver (accounts opened on or after 02/01/2014) Online Easy Saver Issue 3 (accounts opened on or after 02/01/2014) Reward Saver Issue 8 - annual interest Reward Saver Issue 8 - monthly interest Premier Cash ISA (accounts opened on or after 19/12/2014) Online Saver Issue 13 - annual interest Online Saver Issue 13 - monthly interest Holding Account Fixed Rate Saving Accounts Online Bond Issue 13 - annual interest Online Bond Issue 13 - monthly interest Growth Bond Issue 24 Fixed Rate Cash ISA Issue 14 Savings Accounts No Longer Available to New Savers Online Saver Issues 1 to 9 - annual interest Online Saver Issues 1 to 9 - monthly interest Online Saver Issue 10 - annual interest Online Saver Issue 10 - monthly interest Online Saver Issue 11 - annual interest Online Saver Issue 11 - monthly interest Online Saver Issue 12 - annual interest Online Saver Issue 12 - monthly interest Cash ISA Reward Saver Issue 1 to 3 - annual interest Reward Saver Issue 1 to 3 - monthly interest Reward Saver Issue 4 - annual interest Reward Saver Issue 4 - monthly interest Reward Saver Issue 5 - annual interest Reward Saver Issue 5 - monthly interest Reward Saver Issue 6 - annual interest Reward Saver Issue 6 - monthly interest Reward Saver Issue 7 - annual interest Reward Saver Issue 7 - monthly interest Premier Cash ISA (accounts opened between 05/02/2014 and 11/09/2014) Premier Cash ISA (accounts opened between 18/10/2013 and 24/01/2014) Premier Cash ISA (accounts opened between 24/07/2013 and 17/10/2013) Premier Cash ISA (accounts opened between 04/02/2013 and 23/07/13) Premier Cash ISA (accounts opened between 12/09/2014 and 18/12/2014) Premier Cash ISA (accounts opened between 26/11/2012 and 03/02/13) Premier Cash ISA (accounts opened before 26/11/2012) Easy Saver (accounts opened prior to 06/09/2011) Easy Saver (accounts opened from 06/09/2011 to 06/03/2013) Easy Saver (accounts opened from 07/03/2013 to 01/01/2014) Instant Saver Issue 1 Instant Saver Issue 2 Instant Saver Issue 3 Instant Saver Issue 4 Online Easy Saver Issue 1 Online Easy Saver Issue 2 Online Reserve Issue 1 - 3 Online Reserve Issue 4 Variable Rate Savings Accounts Cash ISA - Standard Variable Rate (only applies to customers whose Fixed Rate Cash ISA terms have ended) Minimum balance Current AER Current tax-free Interest rate £500 0.25% 0.25% Current rate effective 17/03/2009 Interest is variable , calculated daily and paid annually in March. Instant Saver Issue 5 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.00% 1.00% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rates effective 02/01/2014 Interest is variable , calculated daily and paid annually in March. Balances below the minimum specified do not accrue interest unless otherwise specified. Find out more Easy Saver (only available to customers with a matured Growth Bond) - accounts opened on or after 02/01/2014 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.00% 1.00% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rate effective 02/01/2014 Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Online Easy Saver Issue 3 (only available to customers with a matured Online Bond) - accounts opened on or after 02/01/2014 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.00% 1.00% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rate effective 02/01/2014 Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 8 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.35% After 12 months rate reverts to underlying rate £500 0.65% 0.65% Current rates effective 19/12/2014. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Find out more Reward Saver Issue 8 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.34% After 12 months rate reverts to underlying rate £500 0.65% 0.64% Current rates effective 19/12/2014. Interest is variable , calculated daily and paid on the closest business day each month linked to the date of account opening. Balances below the minimum specified do not accrue interest unless otherwise specified. Find out more Premier Cash ISA (accounts opened on or after 19/12/2014) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.50% 1.50% After 18 months rate reverts to underlying rate £100 0.65% 0.65% Current rates effective 19/12/2014. Interest is variable , calculated daily and paid annually in March Find out more Online Saver Issue 13 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.40% 1.40% After 12 months rate reverts to underlying rate £1 0.65% 0.65% Current rates effective 19/12/2014. Interest is variable , calculated daily and paid between 20 and 25 March each year. Find out more Online Saver Issue 13 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.40% 1.39% After 12 months rate reverts to underlying rate £1 0.65% 0.64% Current rates effective 19/12/2014. Interest is variable , calculated daily and paid on the first business day of each month. Find out more Holding Account (only available to customers with a maturing Growth Bond or Loyalty Bond) Minimum balance Current AER Current gross Interest rate £1 0.10% 0.10% Current rates effective 17/03/2009. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Fixed Rate Savings Accounts Online Bond Issue 13 - annual interest Term Minimum balance Current AER Current gross 1 year £500 1.71% 1.71% 2 year £500 2.06% 2.06% 3 year £500 2.31% 2.31% Current rates effective 19/12/2014. Interest is fixed, calculated daily and paid on the anniversary of account opening (or closest business day). Online Bond Issue 13 - monthly interest Term Minimum balance Current AER Current gross 1 year £500 1.71% 1.69% 2 year £500 2.06% 2.04% 3 year £500 2.31% 2.28% Current rates effective 19/12/2014. Interest is fixed, calculated daily and paid each month, based on the date that the account is opened (or closest business day). Growth Bond Issue 24 Term Minimum balance Current AER Current gross 1 year £500 1.70% 1.70% 2 year £500 2.05% 2.05% 3 year £500 2.30% 2.30% Current rates effective 19/12/2014. Interest is fixed, calculated daily and paid on the anniversary of account opening (or business day close to the anniversary). Fixed Rate Cash ISA Issue 14 Term Minimum balance Current AER Current tax-free 1 year £500 1.55% 1.55% 2 year £500 1.95% 1.95% 3 year £500 2.10% 2.10% Current rates effective 19/12/2014. Interest is fixed, calculated daily and paid on the anniversary of account opening (or next business day). Savings Accounts No Longer Available to New Savers Online Saver Issues 1 to 9 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 n/a n/a After 12 months rate reverts to underlying rate £1 0.90% 0.90% Current rates effective 30/05/2013. Interest is variable , calculated daily and paid between 20 and 25 March each year. Online Saver Issues 1 to 9 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 n/a n/a After 12 months rate reverts to underlying rate £1 0.90% 0.89% Current rates effective 30/05/2013. Interest is variable , calculated daily and paid on the first business day of each month. Online Saver Issue 10 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.50% 1.50% After 12 months rate reverts to underlying rate £1 0.90% 0.90% Current rates effective 14/03/2013. Interest is variable , calculated daily and paid between 20 and 25 March each year. Online Saver Issue 10 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.50% 1.48% After 12 months rate reverts to underlying rate £1 0.90% 0.89% Current rates effective 14/03/2013. Interest is variable , calculated daily and paid on the first business day of each month. Online Saver Issue 11 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.30% 1.30% After 12 months rate reverts to underlying rate £1 0.90% 0.90% Current rates effective 05/02/2014. Interest is variable , calculated daily and paid between 20 and 25 March each year. Online Saver Issue 11 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.30% 1.29% After 12 months rate reverts to underlying rate £1 0.90% 0.89% Current rates effective 05/02/2014. Interest is variable , calculated daily and paid on the first business day of each month. Online Saver Issue 12 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.40% 1.40% After 12 months rate reverts to underlying rate £1 0.75% 0.75% Current rates effective 12/09/2014. Interest is variable , calculated daily and paid between 20 and 25 March each year. Online Saver Issue 12 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £1 1.40% 1.39% After 12 months rate reverts to underlying rate £1 0.75% 0.74% Current rates effective 12/09/2014. Interest is variable , calculated daily and paid on the first business day of each month. Cash ISA Minimum balance Current AER Current tax-free After 12 months rate reverts to underlying rate £100 0.25% 0.25% All new deposits made in the 2014/15 tax year will earn a 0.65% tax-free bonus for 12 months from the date of the first deposit in the respective tax year. The bonus rate for future tax years may vary. All new deposits made in the 2012/13 and 2013/14 tax years will earn a 2% tax-free bonus for 12 months from the date of the first deposit in the respective tax year. Current rates effective 17/03/2009. Interest is variable , calculated daily and paid annually in March. Reward Saver Issue 1 to 3 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 n/a n/a After 12 months rate reverts to underlying rate £500 0.90% 0.90% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day). Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 1 to 3 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 n/a n/a After 12 months rate reverts to underlying rate £500 0.90% 0.89% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid on the closest business day each month linked to the date of account opening. Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 4 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.15% 1.15% After 12 months rate reverts to underlying rate £500 0.90% 0.90% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day). Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 4 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.14% 1.14% After 12 months rate reverts to underlying rate £500 0.90% 0.89% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid on the closest business day each month linked to the date of account opening. Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 5 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.60% 1.60% After 12 months rate reverts to underlying rate £500 0.90% 0.90% Current rates effective 18/10/2013. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 5 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.60% 1.58% After 12 months rate reverts to underlying rate £500 0.90% 0.89% Current rates effective 18/10/2013. Interest is variable , calculated daily and paid on the closest business day each month linked to the date of account opening. Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 6 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.20% 1.20% After 12 months rate reverts to underlying rate £500 0.90% 0.90% Current rates effective 26/02/2014. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 6 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.20% 1.19% After 12 months rate reverts to underlying rate £500 0.90% 0.89% Current rates effective 26/02/2014. Interest is variable , calculated daily and paid on the closest business day each month linked to the date of account opening. Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 7 - annual interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.35% After 12 months rate reverts to underlying rate £500 0.75% 0.75% Current rates effective 12/09/2014. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Reward Saver Issue 7 - monthly interest Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.34% After 12 months rate reverts to underlying rate £500 0.75% 0.74% Current rates effective 12/09/2014. Interest is variable , calculated daily and paid on the closest business day each month linked to the date of account opening. Balances below the minimum specified do not accrue interest unless otherwise specified. Premier Cash ISA (accounts opened on or after 12/09/2014 and 18/12/2014) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.55% 1.55% After 18 months rate reverts to underlying rate £100 0.75% 0.75% Current rates effective 12/09/2014. Interest is variable , calculated daily and paid annually in March Premier Cash ISA (accounts opened between 05/02/2014 and 11/09/2014) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.40% 1.40% After 18 months rate reverts to underlying rate £100 0.90% 0.90% Current rates effective 05/02/2014. Interest is variable , calculated daily and paid annually in March. Premier Cash ISA (accounts opened between 18/10/2013 and 24/01/2014) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.80% 1.80% After 18 months rate reverts to underlying rate £100 0.90% 0.90% Current rates effective 18/10/2013. Interest is variable , calculated daily and paid annually in March. Premier Cash ISA (accounts opened between 24/07/2013 and 17/10/2013) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.40% 1.40% After 18 months rate reverts to underlying rate £100 0.90% 0.90% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid annually in March. Premier Cash ISA (accounts opened between 04/02/13 and 23/07/13) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.25% 1.25% After 18 months rate reverts to underlying rate £100 0.90% 0.90% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid annually in March. Premier Cash ISA (accounts opened between 26/11/12 and 03/02/13) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 1.65% 1.65% After 18 months rate reverts to underlying rate £100 0.90% 0.90% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid annually in March. Premier Cash ISA (accounts opened before 26/11/2012) Minimum balance Current AER Current tax-free Including 18 month bonus from account opening £100 2.16% 2.16% After 18 months rate reverts to underlying rate £100 0.90% 0.90% Current rates effective 30/01/2014. Interest is variable , calculated daily and paid annually in March. Easy Saver (only available to customers with a matured Growth Bond) - accounts opened prior to 06/09/2011 Minimum balance Current AER Current gross Interest rate £500 0.10% 0.10% Current rate effective 18/03/2009 Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Easy Saver (only available to customers with a matured Growth Bond) - accounts opened from 06/09/2011 to 06/03/2013 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 2.10% 2.10% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rate effective 06/09/2011 Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Easy Saver (only available to customers with a matured Growth Bond) - accounts opened from 07/03/2013 to 01/01/2014 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.35% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rate effective 07/03/2013 Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day) Balances below the minimum specified do not accrue interest unless otherwise specified. Instant Saver Issue 1 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 n/a n/a After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rates effective 06/04/2009. Interest is variable , calculated daily and paid annually in March. Balances below the minimum specified do not accrue interest unless otherwise specified. Instant Saver Issue 2 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 n/a n/a After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rates effective 17/03/2009. Interest is variable , calculated daily and paid annually in March. Balances below the minimum specified do not accrue interest unless otherwise specified. Instant Saver Issue 3 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 2.10% 2.10% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rates effective 10/08/2009. Interest is variable , calculated daily and paid annually in March. Balances below the minimum specified do not accrue interest unless otherwise specified. Instant Saver Issue 4 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.35% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rates effective 04/02/2013. Interest is variable , calculated daily and paid annually in March. Balances below the minimum specified do not accrue interest unless otherwise specified. Online Easy Saver Issue 1 (only available to customers with a matured Online Bond) – accounts opened before 21/03/2013 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 n/a n/a After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rate effective 06/09/2011. Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day). Balances below the minimum specified do not accrue interest unless otherwise specified. Online Easy Saver Issue 2 (only available to customers with a matured Online Bond) – accounts opened from 21/03/2013 to 01/01/2014 Minimum balance Current AER Current gross Including 12 month bonus from account opening £500 1.35% 1.35% After 12 months rate reverts to underlying rate £500 0.10% 0.10% Current rate effective 21/03/2013 Interest is variable , calculated daily and paid on the anniversary of account opening (or closest business day). Balances below the minimum specified do not accrue interest unless otherwise specified. Online Reserve Issue 1 to 3 Balance Current AER Current gross Including 12 month bonus from account opening £1 - £49,999.99 n/a n/a £50,000+ n/a n/a After 12 months rate reverts to underlying rate £1 - £49,999.99 0.90% 0.90% £50,000+ 1.00% 1.00% Current rates effective 30/05/2013. Interest is variable , calculated daily and paid between 20 and 25 March each year. Online Reserve Issue 4 Balance Current AER Current gross Including 12 month bonus from account opening £1 - £49,999.99 1.30% 1.30% £50,000+ 1.40% 1.40% After 12 months rate reverts to underlying rate £1 - £49,999.99 0.90% 0.90% £50,000+ 1.00% 1.00% Current rate effective 14/03/2013 Interest is variable , calculated daily and paid between 20 and 25 March each year Online Saver, Online Bonds, Reward Saver, Growth Bonds, Instant Saver, Online Easy Saver, Online Reserve, Easy Saver and Holding Account are provided by Bank of Ireland UK. Post Office ISAs are provided by Family Investments. Money in Post Office Cash ISAs is deposited with Bank of Ireland UK. Definitions 0845: Local call rates apply. Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes. AER: AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Fixed: A fixed rate of interest does not fluctuate and remains the same through out the lifetime of a savings account. Gross: Gross rates do not take into account deductions of income tax. ISA: An ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £15,000 between a cash ISA and a stock and shares ISA this tax year (that's the period from 6th April to 5th April). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. Tax-free: Tax-free means the 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. Variable: A variable rate of interest can go up or down throughout the lifetime of a savings account. Online Saver Reward Saver Premier Cash ISA Instant Saver Useful Info Contact Us Post Office News Sitemap Privacy Post Office Corporate Social Responsibility Business Opportunities Careers Cymraeg Government Services Services we provide About the Post Office At the Post Office our aim is to provide you with the things that are important to you – from your mail to your broadband package, your car insurance to your savings account. Whether you pop into a branch or shop online, you can be sure all your needs will be handled with care. That’s the Post Office promise. Quick links Travel Money Credit Card Buy stamps Passport Rod Fishing Licence Redirection Services Mortgages Can we help? Help & Support Track & Trace Website Feedback Find us on Twitter Facebook YouTube Copyright 2015 The Post Office