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Compare Post Office ISAs

Compare ISAs from Post Office and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

What you're looking for isn't available; however, these brands may offer suitable alternatives

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds. Special offer: Open an ISA with £1,000 or more before Sunday and be in with a chance to win £100 of free trades. New customers only. Terms apply. Capital at risk.
  • Invest From: £25 pm
See Deal Special offer: Transfer an ISA worth £10,000 or more before 30 June and get £100 cashback. New customers only. Terms apply. Capital at risk.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal Up to £400 for all new users that create an account until the end of April

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.
See Deal When you make your first payment into a Junior ISA or Sustainable Junior ISA, Shepherds will send you a Love2shop voucher code worth up to £50.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style. Capital at risk.

Junior Stocks & Shares ISA

from Wealthify

Regular Savings
  • Invest From: £1
  • Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf

Who are Post Office Money?

Post Office Money was founded in 2015 by Post Office Ltd and provides a range of financial services to customers through the Post Office brand.

Among the financial services and products they offer are savings accounts, mortgages, loans and credit cards.

As part of their savings accounts range, they provide a number of Cash ISA accounts that can be opened online or in branch.

What is an ISA account?

ISA accounts are a type of savings account that protects your money from tax.

You can save up to £20,000 in ISAs in the current tax year, and your allowance refreshes each year.

ISA Tax Benefits:

In a regular savings or investment account, there are two types of tax you need to pay on your savings: income tax and capital gains tax.

  1. In an ISA, you don’t need to pay income tax on the interest you earn on cash savings or dividends you receive from stocks and shares.
  2. You also don’t need to pay capital gains tax on the growth of your stocks and shares when you sell them.

What are the different types of ISA accounts?

There are two main types of ISA account: Cash ISAs and Stocks and Shares ISAs.

Cash ISAs are for cash savings only, and you earn a rate of interest on the balance of your account.

Stocks and Shares ISAs allow you to invest your savings in the stock market and potentially benefit from investment growth and dividends.

Cash ISA Key Features:

  1. Earn interest on your cash savings
  2. Your ISA savings cannot go down in value
  3. You could be charged for withdrawing early if you have a fixed-term ISA

Stocks and Shares ISA Features:

  1. Invest in the stock market via funds, shares, ETFs, managed portfolios and other investments
  2. The value of your ISA can go down as well as up
  3. You can earn dividends as well as investment growth in your ISA
  4. You can usually withdraw at any time

What type of ISA is a Post Office Money ISA?

Post Office Money do not provide a Stocks and Shares ISA.

However, they do offer a range of Cash ISA accounts that vary based on interest rates, the flexibility of withdrawals, and how they can be opened and managed (e.g., online, by phone, by post or in branch).

The main varying factor between different Cash ISA accounts is the type of interest they offer – either fixed or variable interest rates.

What’s the difference between a fixed-rate ISA and a variable-rate ISA?

Fixed-Rate ISAs

  1. Fixed-rate Cash ISAs provide a guaranteed rate of interest
  2. You are committed to a specific term length between 1 and 5 years
  3. You can’t withdraw or close your account before your term ends or you’ll be charged
  4. The longer term you commit to, the higher interest rates you can get

Instant-Access ISAs

  1. Variable-rate Cash ISAs provide an interest rate that fluctuates
  2. Variable interest rates are typically lower than fixed rates
  3. You can usually withdrawal free of charge with no notice period

Can I transfer my ISA into a Post Office Money ISA?

You can transfer any of your old ISAs to a new Post Office ISA to open your account.

ISA transfers do not count towards your ISA allowance. This means you can transfer multiple ISAs in the same tax year while still adding up to £20,000 of new money as well.

Note: if you just withdraw your existing ISA and then add it to a new ISA, you’ll lose that portion of your ISA allowance. Instead, make sure you use the below method to transfer your ISA.

ISA Transfer Steps:

  1. Contact your existing ISA provider to ask if you’ll be charged for transferring out.
  2. Complete an ISA transfer form with your new provider and send it back.
  3. Your new provider will then carry out your ISA transfer and notify you when complete.

How do I open a Post Office Money ISA?

The easiest way to open a Post Office ISA is online. You can set up a Post Office Cash ISA in a matter of minutes, and add money to your account with a debit card payment or direct debit.

However, Post Office do also offer a range of ISA accounts that can be opened and managed by phone, post or in branch if you prefer these methods.

To open a Post Office ISA, you must be:

  1. At least 16 years of age
  2. A UK resident

You will need:

  1. Your basic personal information
  2. Your National Insurance Number
Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

For Cash or Stocks and Shares ISAs, yes, although some Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended.

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2022/23 tax year.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.