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This online-managed easy access savings account offers a 4.15% AER variable interest rate, which includes a high introductory bonus for the first 12 months. Designed for ease of use and flexibility, the account allows for full access to funds with no withdrawal restrictions. Different account versions provide the choice of having interest paid either monthly or annually. Post Office Money operates this account under the Bank of Ireland UK banking license, meaning FSCS protection is shared with other Bank of Ireland UK accounts.