Bonds

Invest for the medium to long term

For lump sums of £2,000 or more
Choice between flexible and fixed-term
Get up to £500 instant investment boost for our With-Profit Bond

View Bonds Speak to our friendly team

Special Offers

Get up to £500 Added to Your Investment

Get an instant loyalty boost of up to £500 added to your investment plus a £50 Amazon.co.uk Gift Card! To get this offer, invest or transfer £10,000 or more into a Lump Sum ISA or With-Profit Bond before 5th April 2026, quoting Offer26. Terms and Conditions apply.

View Lump Sum ISA View With-Profit Bond

Bonds

With-Profit Bond

Investment option for those that have used their ISA allowance and are looking to invest more.

At a glance

Min. Investment
£2,000 (with no upper limit)

Recommended Term
Medium to long term (ideally 5 years or more)

Access
Open ended
Early withdrawal penalty (3% during first year of investment)

Returns
Annual and Final Bonuses (share of With-Profits Fund)
Gains paid net of basic rate tax
Higher and additional rate taxpayers may have further tax liability

Risks
Return linked to With-Profit Fund performance. 

Learn more Apply now

5-Year Fixed Rate Bond

A guaranteed 19.34% return over 5 years, with a gross rate of 3.6%.

At a glance

Min. Investment
£10,000

Recommended Term
Fixed for 5 Years

Access
No withdrawals during the term

Returns
3.6% fixed (4.5% gross) per year
Gains paid net of basic rate tax
Higher and additonal rate taxpayers may have further tax liability

Learn more Apply now

Need help choosing the right product?

We’ve created a handy tool to help you make a decision when it comes to your savings and investments.

Help me choose the right product

We do not provide financial advice. We can explain how our products work so you can decide which option, if any, is suitable for you. Capital is at risk with investment products and returns are not guaranteed, except where a fixed interest rate applies.

As a NARPO Member, I’m proud to say that Police Friendly & Metfriendly has delivered financial security for me and my family.

Craig Haslam, DL FGPT, Retired Chief Superintendent

Your presenters were really good and explained what can be complicated and complex matters, in a simple and easy to understand format.

Pre-retirement seminar attendee

Little bits of saving down the line can make a huge difference to your family, whatever the future brings.

Emma Richards, third generation Retired Police Officer, Police Friendly & Metfriendly Non Executive Director

I have always been pleased with the returns from my Police Friendly & Metfriendly Policies.

Mr P Payne

With the Government’s Lifetime ISA bonus and my family chipping in, I was able to buy my first home sooner than I ever dreamed.

Mr B

Great opportunity for family Members to be offered the same offers as Members.

Miss A McLeary

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The annual salary for each rank from Constable to Chief Superintendent
The annual salary for each pay point
The annual amount for allowances, including motor vehicle

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Jargon buster

Here you will find a simple explanation of some of the technical or industry specific terms. It may save you a call to one of our team.

Jargon buster

Contact us directly

Get free, personalised guidance on your savings and investment options.
For serving, former and retired Police Officers, Staff and their families.
A 20-30 minute session with one of our friendly team.

Call us today

08:30 to 17:00 Monday to Thursday and 08:30 to 16:30 on Friday.

01689 891454

Send a message

Get in touch using the email below or fill in the form to get a call back.

info@mpfs.org.uk

Office

MPFS, Central Court,
Knoll Rise,
Orpington
BR6 0JA

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Want to talk to one of our friendly team about your options? Drop your details on the form below and we will get in touch.