Post Office

Post Office money was launched in 2015. The Post Office's financial services arm is owned by the Bank of Ireland, although some of its products are sourced from other third parties. Their headquarters are in London.

Post Office Money offers a wide range of financial products, from online ISAs to pre-paid funeral plans and insurance plans.

Its car insurance are provided by BISL, which provides insurance services for a number of major financial brands. It's home insurance is underwritten by Ageas while its new travel insurance policies are underwritten by Collision Insurance.

Its life insurance is backed by Royal London.

Visit provider's website

We don't get paid for any links on our site.

Car insurance

Ranked 44^th of 49 providers reviewed.

Customer happiness score	50%
Customer trust score	45.08%
Complaints performance	70.13%
Transparency rating	71.25%
Fairer Finance score Reviewed Autumn 2023	59%

Credit cards

Ranked 29^th of 34 providers reviewed.

Customer happiness score	50.69%
Customer trust score	44.44%
Complaints performance	69.39%
Transparency rating	54.49%
Fairer Finance score Reviewed Autumn 2023	55%

Home insurance (building and contents)

Ranked 30^th of 46 providers reviewed.

Customer happiness score	59.52%
Customer trust score	53.7%
Complaints performance	63.43%
Transparency rating	73.41%
Fairer Finance score Reviewed Autumn 2023	62%

Life insurance

Ranked 3^rd of 24 providers reviewed.

Claims score	93.76%
Complaints performance	86.19%
Transparency rating	61.13%
Fairer Finance score Reviewed Autumn 2023	80%

Personal loans

Ranked 16^th of 27 providers reviewed.

Customer happiness score	54.46%
Customer trust score	50%
Complaints performance	74.55%
Transparency rating	70.5%
Fairer Finance score Reviewed Autumn 2023	62%

Savings Accounts

Ranked 47^th of 53 providers reviewed.

Customer happiness score	43.72%
Customer trust score	47.91%
Complaints performance	74.46%
Transparency rating	63.62%
Fairer Finance score Reviewed Autumn 2023	57%

Travel insurance

Ranked 3^rd of 44 providers reviewed.

Customer happiness score	56.27%
Customer trust score	59.07%
Complaints performance	70.21%
Transparency rating	73.44%
Fairer Finance score Reviewed Autumn 2023	65%

Cover limit for lost keys i	£1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£99.00
Repairs guarantee (years) i	3 years
New car replacement i
Cover limit for stolen keys i	£1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Cover limit for lost keys i	£0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£99.00
Repairs guarantee (years) i	3 years
New car replacement i
Cover limit for stolen keys i	£500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Account Type i	Easy Access
Interest Rate (AER) i	4.1%
Minimum Opening Balance i	£100.00
Maximum Balance i	£1,000,000.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i	11
Maximum Age i	0
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Account Type i	3 Year Bond
Interest Rate (AER) i	5%
Minimum Opening Balance i	£500.00
Maximum Balance i	£1,000,000.00
Notice Period i
Fixed Term Length i	3 Year Bond
Minimum Age to Open Account i	11
Maximum Age i	0
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Duration of 0% balance transfer offer period i	12 months
Balance transfer fee during promotional period i	2.9%
Representative APR i	34.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.9%
Representative balance transfer rate i	2.53%
Risk based? i

Duration of purchases offer period i	12 months
Representative APR i	34.9%
Highest APR i	34.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	2.53%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Representative APR i	34.9%
Representative cash transaction interest rate i	2.53%
Representative purchase rate i	2.53%
Risk based? i
Initial minimum credit limit i	£200.00
Representative balance transfer rate i	2.53%
Statement Due Date Change Fee i	£0.00

Foreign purchase fee i	2.75%
Foreign withdrawal fee i	3%
Representative APR i	34.9%
Number of days before interest is charged on non-sterling cash transactions i	0 days
Risk based? i
Representative purchase rate i	2.53%

Accidental loss cover i
Mechanical breakdown cover i
Maximum single-item cover limit i	£2,500.00
Tablets i
Territorial limits restriction i
Accidental damage cover i
Mechanical breakdown cover replacement limit i	£2,500.00
Theft Cover i
Theft replacement limit i	£2,500.00
Malicious damage cover i
Unauthorised usage cover i	£2,500.00
Unauthorised usage cover (E-wallet) i	£500.00
Accessories cover limit i	£150.00
How is the excess charged? i	Standard excess decreases through time
Lowest excess i	£25.00
Liquid damage excess i	£50.00
Theft & loss claims excess i	£50.00
Accidental damage and breakdown claims excess i	£50.00
Cancellation fee i	£15.00
Arrangement fee i	£0.00
Additional excess charge i	£0.00
Immediate cover with no additional excess in the first 30 days of the policy i	FALSE
High end smartphones (>£1,000) minimum excess i	£50.00
High end tablets (>£1,200) minimum excess i	£50.00
High end laptops (>=£1,500) minimum excess i	£50.00
High end MacBooks (>=£1,500) minimum excess i	£50.00
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i	Unlimited
Replacement claims limit per Item for theft or loss i	Unlimited
Replacement warranty i	12 Months
International cover limit (Days) i	45
Type of product i	Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i	Great Lake Insurance SE
Age of customer requirement i	18
No claims period i	30
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i	UK Only
Maximum age of phones i	36 Months
Maximum age of gadgets eligible for cover i	36 Months
Smartphones i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks Or Laptops

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i	Add-On
Alternative Accommodation Cover i	£300.00
Unoccupied period i	60
Claims limit i	Unlimited

Theft from outbuildings i	£2,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	Unlimited
Escape of water excess i	£350.00
Additional escape of water excess i	£0.00
Flood excess i	£250.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	Sum insured
Trace and access i	Sum insured
Buildings cover limit i	£1,000,000.00
Money in the home i	£1,000.00
Contents sum insured i	£100,000.00
Visitor's possessions i	£0.00
Office equipment i	£5,000.00
Alternative accommodation cover limit for contents i	£25,000.00
Escape of water excess (minimum) i	£350.00
Cancellation fee after 14 days i	£35.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£0.00
Replace belongings new for old i

Theft from outbuildings i	£2,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	£200,000.00
Escape of water excess i	£350.00
Additional escape of water excess i	£0.00
Flood excess i	£250.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Trace and access i	£5,000.00
Buildings cover limit i	£1,000,000.00
Money in the home i	£1,000.00
Contents sum insured i	£80,000.00
Visitor's possessions i	£0.00
Office equipment i	£0.00
Alternative accommodation cover limit for contents i	£15,000.00
Escape of water excess (minimum) i	£350.00
Cancellation fee after 14 days i	£35.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£0.00
Replace belongings new for old i

Matching sets (Buildings) i
Escape of water excess (minimum) i	£350.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£350.00
Unoccupied period i	60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i	£35.00
Amendment fee (telephone) i	£10.00
Property owner liability i	£2,000,000.00

Matching sets (Buildings) i
Escape of water excess (minimum) i	£350.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£350.00
Unoccupied period i	60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i	£35.00
Amendment fee (telephone) i	£10.00
Property owner liability i	£2,000,000.00

Age when premiums stop i	95
Cover for accidental death in waiting period i	2x cover amount
How long after policy is started can full benefits be claimed? i	12 months
Cover type (level or increasing) i	Increasing
Signing up incentive i	£100 gift card
Minimum age i	50
Maximum age i	80
Cover for non-accidental death in waiting period (% of premiums paid) i	150%
Payout for accidental death outside waiting period i	2 x full payout
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i	60 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i	3% per anum
Discount offered with a funeral provider? i	£250
Funeral benefit option provider i	Co-op Funeralcare

Representative APR (on £5,000 loan, 36 month term)	Illustrative rates shown
Unpaid Repayment Fee i	£12.00
Early settlement fee (Days interest)	58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount	£1,000.00
Maximum borrowing amount	£40,000.00
Minimum borrowing length	12 months
Maximum borrowing length	84 months

Type of cover i	Lifetime, annual
Medical cover limit i	£4,500.00
Medical excess i	£80.00
Annual policy limit i	£4,500.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£4,500.00
Cruciate ligament damage i	£4,500.00
CT scans i	£4,500.00
MRI scans i	£4,500.00
Prescription diet (treatment of bladder stones only) i	£4,500.00
Complementary treatment i	£1,500.00
Boarding fees limit i	£2,000.00
Death benefit (illness) i	£2,000.00
Euthanasia cover limit i	£4,500.00
Cremation i	£200.00
Holiday cancellation i	£3,000.00
Holiday cover i	£4,500.00
Quarantine costs cover i	£1,000.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£1,000.00
Maximum number of days abroad i	90 days
Age when compulsory excess rises i	10 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Type of cover i	Maximum benefit, condition
Medical cover limit i	£2,000.00
Medical excess i	£80.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£2,000.00
Dental cover (if due to an accident) i	£2,000.00
Cruciate ligament damage i	£2,000.00
CT scans i	£2,000.00
MRI scans i	£2,000.00
Prescription diet (treatment of bladder stones only) i	£2,000.00
Complementary treatment i	£500.00
Boarding fees limit i	£500.00
Death benefit (illness) i	£500.00
Euthanasia cover limit i	£2,000.00
Cremation i	£200.00
Holiday cancellation i	£500.00
Holiday cover i	£2,000.00
Quarantine costs cover i	£500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£500.00
Maximum number of days abroad i	90 days
Age when compulsory excess rises i	10 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Type of cover i	Time-limited
Medical cover limit i	£1,500.00
Medical excess i	£80.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£1,500.00
Dental cover (if due to an accident) i	£1,500.00
Cruciate ligament damage i	£1,500.00
CT scans i	£1,500.00
MRI scans i	£1,500.00
Prescription diet (treatment of bladder stones only) i	£1,500.00
Complementary treatment i	£500.00
Boarding fees limit i	£500.00
Death benefit (illness) i	£500.00
Euthanasia cover limit i	£1,500.00
Cremation i	£200.00
Holiday cancellation i	£500.00
Holiday cover i	£1,500.00
Quarantine costs cover i	£150.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£150.00
Maximum number of days abroad i	90 days
Age when compulsory excess rises i	10 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

Interest Rate (AER) i	5.25%
Minimum Opening Balance i	£500.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£2,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	5.15%
Minimum Opening Balance i	£500.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£2,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	5.1%
Minimum Opening Balance i	£500.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£2,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	4.7%
Minimum Opening Balance i	£1.00
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Additional Information i

Interest Rate (AER) i	4.9%
Minimum Opening Balance i	£500.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i	16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Post Office

Car insurance

Children's Accounts

Children's Savings Accounts

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Credit builder credit cards

Foreign use credit cards

Gadget insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Life insurance

Over 50s life insurance

Personal loans

Pet insurance

Cat insurance

Dog insurance

Savings Accounts

1 Year Fixed Rate Accounts

2 Year Fixed Rate Accounts

3 Year Fixed Rate Accounts

Easy Access Accounts

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

2 Year Fixed Rate ISAs

Easy Access ISAs

Travel insurance

Annual multi-trip insurance

Interest Rate (AER) i	1.55%
Minimum Opening Balance i	£100.00
Part of FSCS i
Withdrawal Penalty i	via nominated account or a Post Office Online ISA product.
Minimum Age to Open Account i	16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.8%
Minimum Opening Balance i	£100.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i	16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Medical excess i	£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£3,000.00
Cancelling before travel cover limit i	£5,000.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Personal money i	£500.00
Combined passport & travel documents cover limit i	£500.00
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i	31 days

Medical excess i	£125.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£1,500.00
Cancelling before travel cover limit i	£1,000.00
Emergency medical cover and repatriation cover limit i	£5,000,000.00
Mental health cover i
Personal money i	£250.00
Combined passport & travel documents cover limit i	£250.00
Cutting trip short (curtailment) cover limit i	£1,000.00
Abandoning your trip (abandonment) cover limit i	£1,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i	17 days

Missed port departure cover limit i	£1,000.00
Re-joining a cruise cover limit i	£1,000.00
Cabin confinement cover limit i	£500.00
Missed port departure excess i	£50.00
Timetable/itinerary change cover limit i	£500.00
Unused excursions cover limit i	£500.00

Ski equipment owned cover limit i	£1,000.00
Single owned item cover limit i	£1,000.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£500.00
Avalanche closure cover limit i	£350.00
Piste closure cover limit i	£500.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£1,000.00
Single item limit for hired equipment i	£1,000.00
Unused ski pass due to illness or injury i	£400.00