Post Office
ISA Review

Compare Post Office ISAs – read our review and compare the features and benefits available from the Post Office. Find an ISA that suits you and make the most of your annual tax-free savings.

Post Office ISA's provide a great place for you to get a simple tax-efficient account to build up your savings faster. An ISA should always be the first place to consider, as unlike regular savings accounts, Individual Savings Accounts allow you to earn tax-free interest, and you can add up to £5,640 into your account every year between April 6th and April 5th.

Opening a Post Office ISA is easy and you can get started with as little as £1. You must be 16 or over and a UK resident to qualify for a UK ISA. You can access your money whenever you need it. However, if you withdraw from your funds after you have used up your yearly allowance you can’t pay in any more, so it is recommended that you open an ISA and leave your funds to grow.

You can pay money into your ISA at an Post Office branch or by post. If you need to make a withdrawal your can do so by writing to the Post Office. You will either be issued a cheque by post or have it paid into an account. You cannot withdraw money at a Post Office branch.

Top 5 ISA products

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
1.30%
Yes
Instant
Min £10
Max £5,940
1.29%
Yes
Instant
Min £1
Max £5,940
1.00%
Yes
Instant
Min £1
Max £5,940
No withdrawal penalties. Transfer your existing ISA balances to this ISA.
1.00%
Yes
Instant
Min £1
Max £5,940
No withdrawal penalties. Transfer your existing ISA balances to this ISA.

Natwest Cash ISA

NatWest
  • Save from £1 and save up to £5,940 per tax year (£15,000 from July 2014)
  • Earn 1.0% AER to 1.5% AER depending on deposit:
  • £25,000+ = 1.5% AER
  • £1 - £24,999+ = 1.0% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Scottish Widows e-Cash ISA

Scottish Widows
  • Minimum balance £10
  • Annual cash ISA limit is £5,940 (2014-15)
  • No notice period or penalties for withdrawals
  • Transfers from other cash ISAs accepted

Barclays Instant Cash ISA

Barclays
  • Earn 1.29% AER /1.28% tax-free pa 1 on balances of £1 to £14,999
  • Earn 1.39% AER /1.38% tax-free pa on balances of £15,000 to £29,999
  • Earn 1.49% AER /1.48% tax-free pa on balances of £30,000 and over
  • Rates are variable
  • Save from £1 to £5,940 in the 2014/2015 tax year. The allowance increases to £15,000 in July 2014.
  • Include your Instant Cash ISA – Issue 1 in a Barclays offset mortgage arrangement
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

RBS Cash ISA

RBS
  • Save from £1 and save up to £5,940 per tax year (£15,000 from July 2014)
  • Earn 1.0% AER to 1.5% AER depending on deposit:
  • £25,000+ = 1.5% AER
  • £1 - £24,999+ = 1.0% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – RBS can pay the interest into your Cash ISA Plus or another RBS account.
  • Manage your ISA by Phone, post, in branch and online
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme