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.

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Car insurance

Ranked 27^th of 53 providers reviewed.

Customer happiness	59.84%
Customer trust	56.15%
Complaints performance	75.27%
Transparency rating	70.17%
Fairer Finance score Reviewed Spring 2023	65%

Credit cards

Ranked 19^th of 31 providers reviewed.

Customer happiness	54.71%
Customer trust	52.94%
Complaints performance	68.1%
Transparency rating	56.84%
Fairer Finance score Reviewed Spring 2023	58%

Home insurance (building and contents)

Ranked 29^th of 48 providers reviewed.

Customer happiness	59.88%
Customer trust	53.05%
Complaints performance	65.83%
Transparency rating	81.16%
Fairer Finance score Reviewed Spring 2023	65%

Life insurance

Ranked 3^rd of 25 providers reviewed.

Claims score	93.85%
Complaints performance	92.13%
Transparency rating	58.62%
Fairer Finance score Reviewed Spring 2023	82%

Personal loans

Ranked 17^th of 26 providers reviewed.

Customer happiness	52.33%
Customer trust	50%
Complaints performance	75.86%
Transparency rating	65.12%
Fairer Finance score Reviewed Spring 2023	61%

Savings Accounts

Ranked 41^st of 53 providers reviewed.

Customer happiness	45.64%
Customer trust	51.61%
Complaints performance	75.69%
Transparency rating	66.05%
Fairer Finance score Reviewed Spring 2023	60%

Travel insurance

Ranked 4^th of 41 providers reviewed.

Customer happiness	56.1%
Customer trust	60.41%
Complaints performance	65.43%
Transparency rating	73.77%
Fairer Finance score Reviewed Spring 2023	64%

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

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	2.529%
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	2.529%
Number of days before interest is charged on purchases i	56 days
Risk based? i

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	2.529%

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

Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i	Covered under the home emergency policy
Cover Type i	Add-On
Home Emergency Cover limit i	£1,000.00
Minimum Excess i	£0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i	No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i	No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i	£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i	£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i	£0.00
Domestic Power supply covered? i
Roof damage i	Covered under the home emergency policy
Pest infestation cover i
Underwriter i	DAS Legal Expenses Insurance Company Ltd
Maximum Excess i	£0.00
Alternative Accommodation Cover i	£300.00
24/7 Claims Helpline i
Unoccupied period i	60

Alternative accommodation cover limit for buildings i	Unlimited
Matching sets (contents) i
Theft from outbuildings cover limit i	£2,000.00
Escape of water excess i	£350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£1,000,000.00
Keys/locks if lost or stolen (Buildings) i	Sum Insured
Money in the home i	£1,000.00
Replace belongings new for old i
Trace and access i	Sum Insured
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£350.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£250.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£0.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£2,000,000.00
Buildings cover limit i	£1,000,000.00
Contents cover limit i	£100,000.00
Underwriter	Ageas
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£10.00
Cancellation fee after 14 days i	£35.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£1,500.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	£0.00
Visitor's possessions	£0.00
Out in open cover
Frozen Food Cover	£1,000,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	Sum Insured
Credit cards i	£1,000.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	£5,000.00
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	Optional
Cover away from home offered for: money	Optional
Cover away from home offered for: jewellery	Optional
Cover away from home offered for: bicycles & other	Optional
Special events (weddings and civil ceremonies) - limit	Sum Insured
Special events (weddings and civil ceremonies) - days	30 days
Special events (births) - limit	Sum Insured
Special events (births) - days	30 days
Special events (anniversaries and birthdays) - limit	sum Insured
Special events (anniversaries and birthdays) - days	30 days
Special events (religious events) - limit	sum Insured
Special events (religious events) - days	30 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined

Alternative accommodation cover limit for buildings i	£200,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i	£2,000.00
Escape of water excess i	£350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£1,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Money in the home i	£1,000.00
Replace belongings new for old i
Trace and access i	£5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£350.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£250.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£0.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£2,000,000.00
Buildings cover limit i	£1,000,000.00
Contents cover limit i	£80,000.00
Underwriter	Ageas
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£10.00
Cancellation fee after 14 days i	£35.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£1,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	£0.00
Visitor's possessions	£0.00
Out in open cover
Frozen Food Cover	£1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	Sum Insured
Credit cards i	£1,000.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	£0.00
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	Optional
Cover away from home offered for: money	Optional
Cover away from home offered for: jewellery	Optional
Cover away from home offered for: bicycles & other	Optional
Special events (weddings and civil ceremonies) - limit	Sum Insured
Special events (weddings and civil ceremonies) - days	30 days
Special events (births) - limit	Sum Insured
Special events (births) - days	30 days
Special events (anniversaries and birthdays) - limit	sum Insured
Special events (anniversaries and birthdays) - days	30 days
Special events (religious events) - limit	sum Insured
Special events (religious events) - days	30 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined

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 amount	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
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

Type of cover i	Lifetime, annual
Medical cover limit i	£3,000.00
Medical excess i	£80.00
Annual policy limit i	£3,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£3,000.00
Cruciate ligament damage i	£3,000.00
CT scans i	£3,000.00
MRI scans i	£3,000.00
Prescription diet (treatment of bladder stones only) i	£3,000.00
Complementary treatment i	£750.00
Boarding fees limit i	£1,500.00
Death benefit (illness) i	£1,500.00
Euthanasia cover limit i	£3,000.00
Cremation i	£200.00
Holiday cancellation i	£2,000.00
Holiday cover i	£3,000.00
Quarantine costs cover i	£500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i
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

Type of cover i	Lifetime, annual
Medical cover limit i	£7,000.00
Medical excess i	£80.00
Annual policy limit i	£7,000.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£7,000.00
Cruciate ligament damage i	£7,000.00
CT scans i	£7,000.00
MRI scans i	£7,000.00
Prescription diet (treatment of bladder stones only) i	£7,000.00
Complementary treatment i	£1,500.00
Boarding fees limit i	£2,000.00
Death benefit (illness) i	£2,000.00
Euthanasia cover limit i	£7,000.00
Cremation i	£200.00
Holiday cancellation i	£3,000.00
Holiday cover i	£7,000.00
Quarantine costs cover i	£1,000.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i
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

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
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

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
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

Interest Rate (AER) i	4.1%
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	3.6%
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	£1,000,000.00
Minimum Age to Open Account i	11
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	3.65%
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	£1,000,000.00
Minimum Age to Open Account i	11
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	4.15%
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	3.7%
Minimum Opening Balance i	£500.00
What happens at maturity? i	The provider will contact you to request if you would like the funds to be transferred to another fixed term account or an easy access account.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	11
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	4.2%
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	3.47%
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i	£1.00
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
Penalty free withdrawals? i

Interest Rate (AER) i	2.65%
Maximum Balance i	£1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i	£100.00
Minimum Age to Open Account i	11
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

Post Office

Car insurance

Credit cards

0% balance transfer credit cards

0% purchase 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

Single trip insurance

Interest Rate (AER) i	3.8%
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, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.5%
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?

Interest Rate (AER) i	3.85%
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 180 days interest, funds will be transferred to nominated account or to holding account
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.55%
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 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	0.85%
Part of FSCS i
Withdrawal Penalty i	All withdrawals via nominated account or to an existing Post Office Online ISA product.
Minimum Opening Balance i	£100.00
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	3.15%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i	£100.00
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	2.55%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i	£100.00
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	£99.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i	£2,000.00
Cancelling before travel cover limit i	£3,000.00
Emergency medical cover and repatriation cover limit i	£7,500,000.00
Mental health cover i
Personal money i	£350.00
Combined passport & travel cover limit i	£350.00
Cutting trip short cover limit i	£3,000.00
Abandoning your trip cover limit i	£3,000.00
Natural disaster relocation cover i	Optional
Natural disaster baggage cover i
Max trip duration i	17 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 cover limit i	£250.00
Cutting trip short cover limit i	£1,000.00
Abandoning your trip cover limit i	£0.00
Natural disaster relocation cover i	Optional
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	£300.00
Unused excursions cover limit i	£500.00