Post Office Online Saver Review4.40% AER (Sep 2026)

Easy Access from Post Office

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£2,000,000

Access

Instant

Interest paid

Monthly/
Annually

The Rate You'll Get

Learn more about Post Office

First 12 months

Boosted

4.40%

AER

Includes a 3.50% boost for 12 months

Standard rate (after 12 months)

0.90%

AER

Who Is This For

Those wanting easy access
Savers happy with a £2,000,000 cap

Additional Info

The Post Office Online Saver is provided by Bank of Ireland UK.

Please verify all details with the provider – for more info read our Disclaimer

Calculate your tax liability for this accountSee what you might pay on the interest from Post Office's Online Saver.

Estimated returns with Post Office's Easy Access

Want to know how much interest you will receive with Post Office's Online Saver?

Estimated interest

£1,000 saved

£44.00

At 4.4% AER

£5,000 saved

£220

At 4.4% AER

£10,000 saved

£440

At 4.4% AER

£2,000,000 saved

£88,000

At 4.4% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Post Office Online Saver

The Post Office Online Saver pays 4.40% right now, but that headline rate is made up of a 0.90% base rate plus a 3.50% bonus that only lasts 12 months, so you need to diary a reminder to move your money when the boost expires or you will drop to a much lower ongoing rate. It suits anyone who wants instant access with a very low opening balance of just £1 and can hold up to £2,000,000. If you want a clean rate without a bonus to track, Chase UK's Saver at 4.50% is worth a look as an alternative.
Jonny Pease (Co-Founder)DepositScout