Banks and building societies A to Z
Post Office savings rates
14 accounts listed. The highest rate is 4.65% AER on the Online Bond (1 year) (fixed for 1 year).
FSCS protection: up to £120,000 per person across everything you hold with Bank of Ireland (UK) plc, which also trades as Bank of Ireland UK. Money in those counts towards the same limit.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Online ISA: Easy Access (Issue 53)ISAIncludes bonus | 4.25% | Easy access | £100 |
| Online SaverIncludes bonus | 4.15% | Easy access | £1 |
| Instant SaverIncludes bonus | 3.00% | Easy access | £1 |
| Easy Access Cash ISAISAIncludes bonus | 3.00% | Easy access | £100 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| Online Bond (1 year)Beats inflation | 4.65% | Fixed for 1 year | £1 |
| Online Bond (2 years)Beats inflation | 4.65% | Fixed for 2 years | £1 |
| Online Bond (3 years)Beats inflation | 4.65% | Fixed for 3 years | £1 |
| Online ISA: Fixed Rate (1 year)ISABeats inflation | 4.50% | Fixed for 1 year | £500 |
| Online ISA: Fixed Rate (2 years)ISABeats inflation | 4.45% | Fixed for 2 years | £500 |
| Growth Bond (1 year)Beats inflation | 4.00% | Fixed for 1 year | £500 |
| Fixed Rate Cash ISA (1 year)ISABeats inflation | 4.00% | Fixed for 1 year | £500 |
| Growth Bond (2 years)Beats inflation | 4.00% | Fixed for 2 years | £500 |
| Fixed Rate Cash ISA (2 years)ISABeats inflation | 4.00% | Fixed for 2 years | £500 |
| Growth Bond (3 years)Beats inflation | 4.00% | Fixed for 3 years | £500 |
Compare Post Office with every other bank
Who holds the money
- Deposit-taker
- Post Office, a trading name of Bank of Ireland (UK) plc
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 512956)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £1,785m at 31 December 2025 (annual report 2025)
- Website
- postoffice.co.uk. Every "Go to bank" link we show for Post Office leads only to this domain.
Complaints and reviews
- Complaints to the bank
- Complaints the bank itself reported to the FCA about banking and credit cards, for Bank of Ireland (UK) Plc.1,739 complaints opened (1.89 for every 1,000 accounts); the bank upheld 39.3% of the complaints it closed. January to June 2026 (source)
These figures cover the whole firm behind Post Office, including current accounts, cards and loans, not just savings. Bigger firms have more customers and so more complaints. Periods differ between sources and are months old when published. They never change our rate order. FCA-format figures contain public sector information licensed under the Open Government Licence v3.0.
This page lists every Post Office account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.