Best Post Office savings account rates evaluated

The Post Office is technically the largest financial services chain in the UK, with more branches than all of the UK's banks and building societies put together. Post Office Money's top savings rate of 8% is available on one of its easy access accounts.

Easy access savings accounts

Post Office Money's top easy access rate of 8% is the best currently on the market. Compare more instant and easy access accounts up to 8%

Cash ISAs

Post Office Money's best cash ISA rate of 4.3% is very slightly lower than today's market-best rate of 4.72%. Compare more ISAs up to 4.72%

Fixed-rate bonds

Post Office Money's best fixed-rate bond rate of 4.4% is slightly lower than today's market-best rate of 5%. Compare more fixed-rate bonds up to 5%

Notice savings accounts

Post Office Money's best notice savings account rate of 4.3% is very slightly lower than today's market-best rate of 4.38%. Compare more notice savings accounts up to 4.38%

Regular savings accounts

Post Office Money's top regular savings account rate of 7.5% is the best currently on the market. Compare more regular savings accounts up to 7.5%

Business savings accounts

Post Office Money's best business savings account rate of 4.55% is very slightly lower than today's market-best rate of 4.76%. Compare more business savings accounts up to 4.76%

What is Post Office Money®'s best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Post Office Money® offers, plus the highest interest rate currently available.

Savings account types include	Easy access, cash ISAs, fixed-rate bonds, notice accounts, regular savers, business
Best easy access rate	8%
Best cash ISA rate	4.3%
Best fixed-rate bond rate	4.4%
Best notice account rate	4.3%
Best regular saver rate	7.5%
Best business savings account rate	4.55%
Fixed bond terms	1 year - 3 years
Notice account periods available	14 days - 180 days
Opening options	Branch, website, post, telephone
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Is it easy to switch to Post Office?

Post Office offers a variety of different savings accounts, so how you switch will depend on what type of account you are opening. It aims to make switching as easy as possible for you, so whatever the account you can be sure the process is simple.

For an online saver, you can open an account with as little as £1 and be ready to start saving straight away. You can also transfer existing ISAs into a new Post Office ISA.

How do I decide which account is for me?

You need to work out what it is you need from your savings account. Are you looking to put a bit of money away each month? Are you comfortable restricting access to your money in exchange for a higher rate of interest? When will you need the money?

You need to work out what you need before comparing the different offers available for certain types of account. Once you’ve done that, useful guidelines to compare include:

• Interest rates
• Minimum deposit requirements and maximum balances
• Access to cash (if you need quick access)

Does Post Office offer online or mobile banking?

Yes, it offers online banking through its website, but it does not have a dedicated mobile app.

Here are some of the basic features of Post Office’s online banking service:

• Check balances for any type of account.
• Transfer money between accounts
• Pay bills and people

What do customers say about Post Office?

80% of customers we surveyed in 2026 would recommend Post Office to a friend.

It savings accounts are valued by those who prefer straightforward banking and the ability to access their money easily via high street branches. Helpful staff and the human touch are major positives.

However, the accounts suffer from notable drawbacks, including interest rates that drop after the first year, slower withdrawal processes, and cash cards that occasionally fail to work in standard ATMs.

AI-generated summary from the text of customer reviews on Finder.

Pros and cons of saving with Post Office

Customer service information for Post Office Money

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Our verdict: Are Post Office Money savings accounts a good option?

With more branches than any UK bank, and a vast range of services that you can also make use of, the Post Office could be a good option if you’re looking to open a savings account, especially if you prefer face-to-face contact. However, its accounts are quite basic, so you may want to look elsewhere if you want more for your money. Check out our other best savings account reviews to see if there’s an option that suits you better.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.