Cash ISAs
Best Post Office savings account rates evaluated
For those who handle cash or simply love queueing, the Post Office offers some pretty decent savings rates. Here's how they hold up right now.
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 4.05% is available on one of its cash ISA accounts.
Cash ISAs
Table: sorted by interest rate
Post Office Money's best cash ISA rate of 4.05% is lower than today's market-best rate of 5.44%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Post Office Money's best fixed-rate bond rate of 3.9% is significantly lower than today's market-best rate of 7.5%.
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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 | Cash isas, fixed-rate bonds |
|---|---|
| Best cash ISA rate | 4.05% |
| Best fixed-rate bond rate | 3.9% |
| Fixed bond terms | 1 year - 3 years |
| Opening options | Branch, website, post, telephone |
| FSCS protection |
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
- Fees (if there are any)
- 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
Post Office Money customer reviews
In our independent 2025 customer satisfaction survey, 77% of Post Office Money customers said they’d recommend the brand to a friend.
Pros and cons of saving with Post Office
Pros
- Dependability. Post Office has been around for over 370 years, so you can feel safe knowing that it’s not likely to go out of business anytime soon.
- Loads of branches. It has over 11,500 branches nationwide, more than any bank.
- Flexibility. Post Office’s variety of accounts offers flexible options no matter what kind of savings you’re looking for.
Cons
- Basic services. It only offers what some people would consider basic banking services, so you may want to look elsewhere if you want more from your account.
- Individuals only. Post Office accounts are for individual use only, so if you have a business you’ll have to look elsewhere.
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.
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