Instant Access Account

A handy ‘extra’ instant access savings account!

Withdraw funds whenever you wish!

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Savings earn a competitive annual dividend*

The Instant Access Account is a handy ‘extra’ instant access savings account, perfect for putting money aside for a special project, a special occasion, or unexpected bills. Savings in your Instant Access Account are ‘separate’ from your Membership Account, helping you save, but are easily accessible when needed.

Saving into a Instant Access Account is flexible – save regularly or add lump sums whenever you wish. Small amounts saved can soon add up – use our handy Savings Calculator to see how much you can save. Login to Online Banking to open a Instant Access Account today!

Benefits of a Instant Access Account

*Dividends are not guaranteed. The rate payable is dependent on financial performance and voted on by members at the Annual General Meeting.

Things you should know
  • Exclusive to Penny Post members, the Instant Access Account runs alongside a member’s Membership Account, and does not replace it.
  • Like all Penny Post saving accounts, members’ money is protected by the Financial Services Compensation Scheme (FSCS) currently to the value of £85,000. For more information visit the FSCS website.
Terms & Conditions
  • Members must continue to save at least £2 weekly or £10 monthly in their Membership Account whilst saving in a Instant Access Account.
  • Savings attract an Annual Dividend.
  • Savings in the Instant Access Account cannot be used as security against a loan.
  • The total balance in all your Penny Post saving accounts cannot exceed £50,000.
  • Other terms and conditions may apply.

Online Banking

Manage your account, request withdrawals, apply for loans and so much more…

Member Login

Savings Calculator

Use our savings calculator to see how much you could save

Find out more

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