Online ISA

Enjoy the freedom of tax-free savings, with the option to choose both Easy access or Fixed rate products all within a single account.

The Online ISA is provided by OneFamily.
Savings in this Online ISA are deposited with Bank of Ireland UK.

Easy access

4.21%

Tax-free/AER variable

This rate includes a fixed bonus of 3.31% gross for the first 12 months. After 12 months, the rate drops to 0.90% tax-free/AER variable.

Fixed rate

1 year

4.35%

Tax-free/AER fixed

2 year

4.30%

Tax-free/AER fixed

Why choose an Online ISA?

100% tax-free

You keep every penny of the interest you earn without paying tax on it. This means you could save from £100 up to £20,000 each tax year (subject to contributions to any other types of ISAs). The tax year runs from 6 April to 5 April.

Start small

You can open an Online ISA with as little as £100 for an Easy access product or make a one-off deposit from £500 into a Fixed rate product.

One account, multiple ways to save

You have the option to split your savings into different products that live under one account. This means you can keep some money in an Easy access product for your everyday needs, and also keep some locked away in a Fixed rate product for a set period. You can have as many Easy access or Fixed rate products as you want within your Online ISA.

OneFamily handles all the admin

While Bank of Ireland UK hold your money, our ISA manager, OneFamily will take care of all of the paperwork. This means that all of the communications you receive about your Online ISA, will come from OneFamily.

One ISA. Different ways to save.

Online ISA

Choose Easy access, Fixed rate or a combination of both – all within one Online ISA

Easy access product

For shorter term savings on a variable rate

Fixed rate product

Leave it for 1 or 2 years at a fixed rate, so you know exactly what you’ll earn

How it works

Think of the Online ISA as one single account that lets you hold different types of cash ISA products all in one place. Simply manage your money by opening different products inside your Online ISA to match your short-term and long-term goals.

Step 1: Choose your product
Decide whether you want to open an Easy access product or a Fixed rate product. You can open an Easy access product with a minimum of £100, or lock in a guaranteed rate with a Fixed rate product starting from £500. Once you’ve successfully applied for an Online ISA with one product, you can add as many additional products as you like.

Step 2: Fund your product
To complete your application, you must fund your product at the time you apply. You can fund it using a debit card, by sending us a cheque, or by transferring your current ISA to us.
Remember: To secure a Fixed rate product, you must add your funds as a single, initial deposit. You won’t be able to add more money to that specific product later.

Step 3: Important withdrawal information
You can withdraw money from your Easy access product at any point.
Any money in your Fixed rate product is locked away until the end of the term. You can’t access this money during the term or a breakage charge will apply. When a Fixed rate product reaches the end of its 1- or 2-year term, both your original deposit and the interest earned will be paid into your main Online ISA holding product.

Step 4: Manage your Online ISA
Use our secure online portal to view your balance, track your fixed terms, and manage your documents.
Please note: There is no mobile app available.

Is an Online ISA right for me?

It could be right, if:

You’d like to earn tax-free interest on your savings.
You want to be able to access your savings when you need them, or you want to lock your money away for 1 or 2 years for a guaranteed rate.
You want to manage your ISA online, but not using an app.
You are able to fund your ISA today using your debit card, a cheque, or by transferring from an existing ISA with another provider (your current provider may charge a transfer fee).

It may not be right, if:

You are under 18 or are not a UK resident.
You want to save more than your annual £20,000 ISA allowance.
You do not want to manage your ISA online.
You’d like to add more money to a Fixed rate product after your initial lump sum. While you cannot add more money to the same Fixed rate product, you can open more than one Fixed rate product within your Online ISA.
You’re looking for a flexible ISA that lets you withdraw funds and pay them back within the same tax year without impacting your annual tax‑free allowance. Our Online ISA does not offer this flexibility.

Summary box

Please read the following information before applying for an Online ISA

What is the interest rate?

Online ISA product	Interest rate	Minimum deposit	Annual interest	Withdrawals
Easy access	4.21% tax-free/AER variable (includes a fixed bonus of 3.31% gross for 12 months) Tax-free means the interest paid will be free of UK Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of ISAs may change in the future. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to your account each year. A variable rate of interest can go up or down throughout the lifetime of the savings account. A fixed rate of interest means the interest rate will not change during the term. Gross Interest Rates means we will not automatically deduct tax from the interest we pay on money in your account. It’s your responsibility to pay any tax you may owe to HM Revenue & Customs (HMRC). 0.90% tax-free/AER variable (without bonus after 12 months)	£100	Calculated daily and paid on 20 March	Unlimited withdrawals
1-year fixed	4.35% tax-free/AER fixed	£500	Calculated daily and paid on the anniversary of product opening	No withdrawals during the term, an early closure breakage charge will be applied if closed during the fixed term. For more information, view the ‘Can I withdraw my money’ tab below.
2-year fixed	4.30% tax-free/AER fixed	£500	Calculated daily and paid on the anniversary of product opening	No withdrawals during the term, an early closure breakage charge will be applied if closed during the fixed term. For more information, view the ‘Can I withdraw my money’ tab below.
Holding account	0.90% tax-free/AER variable	Not applicable. Product is opened at the same time as the Online ISA.	Annual interest, calculated daily, will be paid 20 March	Unlimited withdrawals

Can Bank of Ireland UK change the interest rate?

Easy access

Yes. We have the right to change the interest rate on your account. The reasons we may change your rate are outlined in the Interest rates section of the Terms and Conditions.

If we change your interest rate to your disadvantage, we will notify you personally a minimum of 14 days before the change takes effect, as long as you have at least £100 in your account.

Fixed rate

No, the interest rate is fixed during the term of the account.

At the end of the fixed term the balance along with any interest earned, will be paid into the Holding account of the Online ISA, where it will earn a variable rate of interest.

What would the estimated balance be based on a £1,000 deposit?

Easy access

	Easy access
After 12 months	£1,042.10
After 24 months	£1,051.48

Fixed rate

	Fixed rate
	1-year term	2-year term
After 12 months	£1,043.50	Not applicable.
After 24 months	Not applicable.	£1,087.85

Holding account

	Holding account
After 12 months	£1,009.00
After 24 months	Not applicable.

These examples are based on a £1,000 deposit with no further deposits or withdrawals made during the months of the projection. This is an example only and does not reflect a customer’s own circumstances.

How do I open and manage my account?

Eligibility

You can open an Online ISA if you’re over the age of 18, a UK resident and resident in the UK for tax purposes. This doesn’t include the Channel Islands and the Isle of Man.
You can open an Online ISA as a new cash ISA for this tax year (6 April to 5 April), or transfer funds in from an existing ISA.
To apply for the Online ISA you must have a UK bank or building society account in your name.
If you already hold an Online ISA with us, you will not be able to open another one.

Opening your account

The Online ISA allows you to split your cash ISA savings into a selection of variable and fixed rate products, all held within your online account.
On opening an Online ISA, you will automatically have a Holding account opened for you.
Please note, before making any decision to transfer to us, you should check if your current provider will charge a fee.
The minimum balance to open the account is £100 for the Easy access product and £500 for the Fixed rate product.
You can open an Easy access or Fixed rate product with either a deposit, transfer in of another ISA you hold or with a money movement from another product in your Online ISA (if permitted).
Fixed rate products can be opened with a single deposit only and once opened, you will not be able to make further deposits, transfers in or money movements.
You can only apply online.

Managing your account

You can only manage your account online. You cannot access your Online ISA by telephone or by visiting a branch.
Once your Online ISA is open, you’ll be able to take out new products (when available) and move money between existing products already held in your account (if permitted), without completing further applications.
Once you’ve logged into your account, you can move money between and/or make additional deposits or ISA transfers into existing products (if permitted) and request withdrawals.
You will also be able to contact us by sending ‘secure messages.’

Can I withdraw my money?

Easy access and Holding account

There are no restrictions on the number of withdrawals that can be made to your nominated account. Any payment sent to your nominated account will no longer benefit from the tax advantages of ISAs.
The minimum amount you can withdraw from any product is £10 or the remaining balance, whichever is less.
Money can also be moved without restriction to another product in your Online ISA that accepts money movements (minimum amount £1).

Fixed rates

Withdrawals and money movements are not allowed during the fixed rate term.
If you close a Fixed rate product during its fixed term, a breakage charge will be applied. The breakage charge will equal 90 days loss of interest for a fixed rate term of 1 year or shorter, 180 days loss of interest for a fixed rate term longer than 1 year but shorter than 5 years; or, 365 days loss of interest for a fixed rate term of 5 years or longer.
If the interest you’ve earned doesn’t cover this, you may get back less than you paid in.
If you need to close this product during its fixed term, you can request to have the money paid to your nominated account or to the Holding account.
After the end of the fixed rate term the value of the fixed rate, along with any interest earned, will be paid into the Holding account.
If you already hold an Online ISA and open a Fixed rate product, you can request to close the product within 14 days and we will waive the breakage charge. Please see the ‘Making withdrawals, closing products and closing your Online ISA’ section in the Terms and Conditions for more information. If you need to access your money during the fixed rate term a breakage charge will apply.

The Online ISA does not have flexible features. This means that once withdrawn to your nominated account, your money will lose the tax advantages of ISAs and cannot be replaced in your account without affecting your annual ISA allowance.

Transfers

Partial transfers are not permitted, and you will not be able to transfer individual products held in your Online ISA. You can, however, transfer your Online ISA in full to another ISA at any time. If you transfer your Online ISA and you have money in a Fixed rate product which is in its fixed term, a breakage charge will be applied to that product.

Cancellation

You cannot cancel individual products in your Online ISA. However, you can cancel your entire Online ISA within 14 days from the date your account opened.

If you do this, your Online ISA and any products in your account will be closed.

Additional information

The Holding account may pay a lower rate of interest than other variable or fixed rate products you can hold within your Online ISA. As such, it should be considered as a short-term home for your ISA savings at the end of your fixed rate term.

How to apply

To be eligible to apply, you must:

Be aged 18 or over.
Be a UK resident.
Not already hold an Online ISA with us.
Hold a UK bank or building society account in your name (including joint accounts).

To apply, you need:

To read the summary box and Online ISA key information carefully, as they contain important information you need before applying.
Your National Insurance Number.
To be able to fund your chosen product today with the minimum required to open (Easy access: £100, Fixed rate: £500), by debit card, sending us a cheque, or providing details of a current ISA you wish to transfer to us.
Your residential address including postcode (we’re unable to accept c/o or PO Box addresses).
Your bank or building society account number and sort code. This needs to be a personal account in your name (either sole or joint) and will be used for any withdrawal payments you have asked us to send to you, once your Online ISA is open.

Apply now

Important documents

Summary box

Online ISA key information

ISA interest rates no longer available to new customers

How FSCS protects your money

FAQs

What is an ISA?
ISA stands for Individual Savings Account. ISAs were introduced by the Government to give people a tax-efficient (exempt from UK Income Tax and Capital Gains Tax) way to save for the future. There are different types of ISAs, to see the complete list, please visit www.gov.uk/individual-savings-accounts/overview. The Online ISA is a cash ISA.

How much can I pay into my Online ISA?
The annual ISA limit for the 2026/27 (6 April to 5 April) tax year is £20,000. You can invest up to your annual ISA limit set each tax year subject to savings you have in other ISAs.
For example, if you have half of this years’ limit in a cash ISA with one provider, you can put the other half into a stocks and shares ISA with the same or another ISA provider.

Who are OneFamily?
OneFamily is the ISA Manager for the Online ISA. They manage and service the ISA on our behalf.
One Family is a trading name of Family Assurance Friendly Society Limited, of which Family Equity Plan Limited is a subsidiary. Family Equity Plan Limited is authorised and regulated by the Financial Conduct Authority.
The registered address of OneFamily is:
16-17 West Street
Brighton
BN1 2RL
United Kingdom

Money paid into the Online ISA is deposited with Bank of Ireland UK.

What does the Holding account do?
Every Online ISA includes a Holding account. This is a temporary place to keep your money while you decide what to do with it next.
The interest rate on the Holding account is lower than other options, such as Easy access or Fixed rate products.
Your savings will be moved to your Holding Account when your Easy Access or Fixed Rates are closed, such as at the end of a fixed term if you have a Fixed Rate.
You could also use the Holding Account for:
- Combining your funds before you pay into an Easy Access or Fixed Rate product.
- Splitting your funds across a number of Easy Access or Fixed Rates within your ISA.

What is a nominated account and why is it needed?
When applying for the Online ISA, you will need to setup a nominated account.
A nominated account is a bank or building society account where we’ll send your money if you withdraw from or close your ISA. This is usually your current account.
This account must:
- Be in your name (it can be a joint account)
- Be a personal account with a bank or building society

How is interest paid?
Easy access (including Holding account)
Interest is calculated daily and will be paid on 20 March each year.
Fixed rate
Interest is calculated daily and will be added to the fixed rate on the anniversary of the start date each year and on the date the fixed term ends. At the end of the fixed term the full value of the fixed rate, including interest will be paid into the Holding account.
More information on this can be found in the summary box.

Are there any fees or charges?
We do not charge for any of our standard services. You can find details in our Online ISA Terms and Conditions.
You may have to pay a breakage charge if you close a Fixed rate product early. This includes closing or transferring a Fixed rate product during its fixed term. Early closure doesn’t include closure within the first 14 days of opening if you change your mind.
If a breakage charge applies:
- We’ll take it from any interest you have earned
- If there is not enough interest, we’ll take the rest from your balance
- This means you may get back less than you paid in
The breakage charge is equal to 90 or 180 days’ loss of interest, depending on the fixed term. It is worked out using a 365‑day year.
Charges may change in the future. For more information, view the ‘Can I withdraw my money’ tab in the summary box.

How are savings in my Online ISA protected?
Details of how your savings are protected can be found in The Deposit Information Sheet which contains:
- Information on how savings within the ISA are protected
- Details of how your money is protected with Bank of Ireland UK, the ‘ISA deposit taker’
OneFamily hold initial cheque and debit card payments in an account held with NatWest, and then transfer the money to Bank of Ireland UK. This is also what happens with a transfer cheque from another ISA provider.
Please note during this period any money you hold in other accounts with NatWest will count towards compensation limits.
You can find out more about how your money is protected when it’s held in a bank or building society account by going to the Financial Services Compensation Scheme (FSCS) website at www.fscs.org.uk

How do I make a complaint?
If you need to make a complaint, please contact us and we will do everything we can to resolve your complaint as quickly as possible, but please allow up to 5 working days for a reply.
When we first contact you, we will send you a summary of the procedures that we will follow when resolving your complaint. A copy of these procedures is also available on request.
You can contact us by logging into your account online and sending us a secure message, or you can write to us at:
Bank of Ireland UK Savings
PO Box 5417
Brighton
BN50 8HP
Call us on 0333 220 5069*
*Lines are open 9am to 5.30pm weekdays (9.30am to 5.30pm on Wednesdays) and closed on weekends. Calls may be monitored and recorded for training purposes. Calls to 03 numbers cost the same as calling 01 and 02 numbers and count towards inclusive allowances on landlines and on mobiles. The actual cost will depend on your provider’s tariff. For more information please contact your provider.
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Call us on 0300 123 9123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

What happens if my Online ISA was previously an AA ISA?
If your AA ISA was still open on 5 November 2024, it’s now been rebranded to a Bank of Ireland UK Online ISA. Your account number has not changed and you can still use your existing username and password to login. For more information, you can log in to your account and see the secure messages sent to you about the change.

How do I log in to my Online ISA?
Login to manage your ISA
To log in to your Online ISA you will need your username and password that you chose when opening your account. You will be asked to confirm some information from your memorable questions.
You can reset your username and password on the login page.

What do I do if I can't remember my login details?
If you can’t remember your username, please select the ‘I have forgotten my username’ option on the log in page. If you can’t remember your password, please select the ‘I have forgotten my password’ option.
If you need any help, please call us on 0333 2205069*.
*Lines are open 9am to 5.30pm weekdays (9.30am to 5.30pm on Wednesdays) and closed on weekends. Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

How do I change my address or personal details?
You can change your email address, home address or phone number by logging in to your Online ISA and then visiting the ‘Personal Details’ page.
For a change of name or date of birth you will need to provide us with certified proof. Please see the How do I certify my documents? FAQ for more information on what we’ll need to see.
Once certified, please send your documents to us at:
Bank of Ireland UK Savings
PO Box 5417
Brighton
BN50 8HP

How do I change my nominated account details?
To change your nominated account, log in to your Online ISA and send us a secure message with your new details.
Please include your new sort code, account number and account name.
We will try to check (verify) your new account electronically.
If we cannot verify it, we will ask you to send proof, such as a recent bank statement. We need this before we can update your details or process any withdrawals or account closures.
We’ll send you a confirmation message once your nominated account has been updated.

Applying on behalf of somebody else?
If you’re an Attorney or Deputy and are applying on behalf of someone else, please complete the application with the investor’s details. We’ll ask for proof of identity from you and the investor, as well as proof of the Power of Attorney/Deputyship. We’ll contact you with more information on how you can provide these documents within 24 hours of completing the application.
We won’t be able to accept your initial payment by debit card. You’ll still be able to open an Online ISA, your initial payment will need to be sent to us by cheque or by transferring in another ISA you hold. Before deciding to transfer an ISA to us, you should check with your provider if they’ll charge a fee.
Please make sure you have access to the email address that you provide for the investor, as this is how we’ll let you know that you have a secure message about this Online ISA.

Why do I need to provide proof of my identity?
Proof of identity is required for fraud prevention purposes and to help comply with anti-money laundering laws. If proof of identity is requested and you don’t provide it, your account activity may be limited. This could impact deposits, withdrawals, transfers, or account closure requests. More information can be found in the Online ISA Terms and Conditions.

How do I certify my documents?
Please send us certified photocopies of your documents. Each page must be certified in ink on the copy itself.
We cannot accept original documents, as we cannot guarantee they will be returned safely.
If your documents are not correctly certified, we will send them back.
Send your documents to:
Bank of Ireland UK Savings
PO Box 5417
Brighton
BN50 8HP

You cannot certify your own documents, and neither can a relative. However, the following people can:
- Accountant
- Barrister or Solicitor
- Bank or Building Society Official
- Commissioner of Oaths/Notary Public
- Justice of the Peace
- FCA registered broker/introducer
- Post Office Official (UK only)
- Attorney
On each page, the certifier must:
1. Write ‘I certify this is a true copy’
2. State their profession
3. Print their name, address, and phone number (or staff number if needed)
4. Sign and date the document
Acceptable proof of identity and address
Examples include:
- Utility bills (electricity, gas, water, landline) dated within the last 3 months
- Bank, mortgage, or credit card statements dated within the last 3 months⁺⁺
- Letters from the DWP (within 6 months)
- Council tax or local authority letters (within 12 months)
- HMRC letters (within 3 months, not P45 or P60)
- UK or EU driving licences⁺
⁺ These items may be used to evidence identity or address, but not both.
⁺⁺ This item may be used to evidence address and nominated bank accounts.

What happens when my fixed term ends?
We will contact you 14 days before your fixed term ends. When it ends, your money and any interest earned will move into your Holding account.
After that, you can choose what to do next. You can:
- Leave your money in the Holding account
- Move it into one or more Easy access or Fixed rate products within your ISA
- Withdraw your money
- Transfer it to another ISA
This is a good time to review your options. You may find better rates available, so it’s worth thinking about whether a fixed or variable rate is right for you.

What happens when my fixed bonus ends?
If your Easy access account includes a fixed bonus, we will pay this as set out in your summary box.
We will contact you 14 days before your fixed bonus ends.
When the bonus ends, your account will only earn the standard variable interest rate.
This is a good time to review your options. You may find better rates available, so it’s worth thinking about whether a fixed or variable rate is right for you.

How do I make additional deposits to my Online ISA?
You can add money to your Online ISA by debit card or cheque (if allowed).
The minimum deposit amount can be found in the summary box.
You can see your remaining ISA allowance on the ISA summary screen when you log in.

Can I make a withdrawal from an Easy access or Fixed rate product in my Online ISA?
Easy access
You can withdraw money from an Easy access account at any time by logging in online.
To make a withdrawal:
1. Go to your ‘ISA Summary’ or the “Withdrawals and closures” section
2. Select the account you want to withdraw from
Things to know:
- There is no limit on how many withdrawals you can make from an Easy access or Holding account
- The Online ISA is not flexible, so any money you withdraw will lose its tax‑free status and cannot be paid back in without using your ISA allowance
Fixed rate
You cannot withdraw money from a Fixed rate account during the fixed term.
If you need access to your money, you will have to close the product. If you do you may have to pay a breakage charge. If the charge is more than the interest earned, you may get back less than you paid in.
You will not be charged if you close the product within 14 days of opening.

Can I transfer my Online ISA?
Yes. You can transfer your Online ISA in full to another ISA at any time. Partial transfers are not allowed. If you are transferring to another ISA provider, you will need to contact your chosen provider to arrange the transfer. Details of this can be found in the summary box.

Can I transfer funds from another ISA provider to the Online ISA?
If you already have an ISA with another provider, you can transfer your savings into your Online ISA. Transferring funds from a previous tax year’s ISA will not affect your ISA limit for this tax year.
You can choose whether to use the transfer to pay into a new or existing Easy access product, or a new Fixed rate product.
Before you decide to transfer your existing ISA to us you should check if your current provider will charge a fee.

Can I transfer funds from another Bank of Ireland UK savings account to the ISA?
No. You cannot transfer money directly from another Bank of Ireland UK savings account into your Online ISA.
You can move your funds from your savings account into your current account and then use a debit card or cheque to pay into your Online ISA.

Can I transfer my innovative finance or Lifetime ISA to the Online ISA?
No, currently we’re not able to accept transfers from innovative finance ISAs or Lifetime ISAs.

If I change my mind, can I cancel my Online ISA?
Yes. You can cancel your Online ISA within 14 days of opening it. To cancel, log in to your account and send us a secure message.
What happens if you cancel?
- Your Online ISA, and any products you’ve opened within it, will be closed.
- You will get back all the money you paid in, plus any interest earned (tax‑free).
Any money returned to you will not count towards your ISA allowance for the current tax year.

Can I cancel an individual Easy access or Fixed rate product in my Online ISA?
You cannot cancel individual Easy access or Fixed rate products on their own.
If you want to cancel, you must cancel your whole Online ISA within the 14‑day cancellation period. After this period, any money you have paid into a product will count towards your annual ISA allowance.
You can close a product at any time by logging in to your account. Before you do, it’s important to understand what happens:
- If you withdraw money from your ISA to your nominated account, it will lose its tax‑free status and cannot be paid back in without using your ISA allowance
- If you move the money into your Holding account, it will keep its tax‑free status
If you close a Fixed rate product you may have to pay a breakage charge – for more information, view the ‘Can I withdraw my money’ tab in the summary box. If you close a Fixed rate product within first 14 days of opening, no charge will be applied.

How do I close my Online ISA?
To close your Online ISA:
1. Log in to your account
2. Go to the ‘Withdrawals and Closures’ section
3. Select ‘Close ISA’
Once your ISA is closed, your money will no longer have ISA tax benefits.
If you have a Fixed rate product, you may have to pay a breakage charge. For more information, view the ‘Can I withdraw my money’ tab in the summary box, and we will confirm this before you complete your request.
If your nominated account has not been verified, you will need to provide proof before we can close your ISA.
Please send a photocopy of one of the following (dated within the last 3 months):
- A bank statement
- An online statement
- A letter from your bank
These must show your name, sort code and account number.
Please write your Online ISA number on the back and post it to:
Bank of Ireland UK Savings
PO Box 5417
Brighton
BN50 8HP

Definitions

AER

AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to your account each year.

Fixed

A fixed rate of interest remains the same and doesn’t change for the duration of the fixed term.

Variable

A variable rate of interest can go up or down throughout the lifetime of a savings account.

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 ISAs may change in the future.

Gross

Gross interest rates means we will not automatically deduct tax from the interest we pay on money in your account. It’s your responsibility to pay any tax you may owe to HM Revenue & Customs (HMRC).

Tax advantages

Please note the tax advantages of ISAs depend on your individual circumstances and the tax treatment of ISAs may change in the future.

FSCS Protected

Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Bank of Ireland UK and Post Office. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk

Other savings options

Classic Saver

A simple, flexible savings account you can open with £1, offering easy access to your money and a variable 1.45% AER, with interest paid annually and no withdrawal penalties.

Discover Classic Saver

Kid Save

A children’s savings account for under‑12s, opened and managed by a parent or guardian, with easy branch access, free withdrawals, and a variable 2.15% AER on balances of £1 or more.

Save for your child

Limited Edition Fixed Term Deposit

A fixed‑term savings account offering guaranteed interest for 1 or 2 years, with a minimum £2,000 deposit. No withdrawals allowed during the term, giving certainty and a secure return.

View fixed options