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Choose a FREE £25 reward when you start saving with us

Open a Monthly ISA, Junior ISA or Lifetime ISA with us today and choose a £25 gift card from Amazon.co.uk, Costa Coffee or Greggs, as a thank-you from us. Quote GIFTCARD when you apply.

Help me choose the right product
Gift Cards x 3

3 simple steps to get the £25 Gift Card of your choice

Step 1
Choose the savings product that's right for you

Step 2
Apply online or give our team a call on 01689 891454, Monday to Friday, 08:30 to 17:00.

Specify which gift card you want and quote GIFTCARD when you apply.

Step 3
Your chosen £25 gift card will be on its way to you within 30 days of you paying into your new savings product.

Gift Cards x 3

Choose the way to save that works for you

Lump Sum ISA

Invest a lump sum tax-free, built for medium to long-term growth.

At a glance

Past performance

Up to 5.3%* per year (over last 10 years)

Min. Investment
£5,000 (up to £20,000 per tax year)

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

AccessEarly withdrawal penalty (3% during first year of investment)

Returns
Annual and Final Bonuses (share of the With-Profits Fund performance)

 

*Actual annualised returns on ISAs held for a period of 10 years (1 January each year from 2017 to 2026). Past performance is not a guide to future returns.

Learn more Apply now

Monthly ISA

Tax-free saving from just £30 a month, ideal for regular savers.

At a glance

Min. Investment
£30 per month (up to £20,000 per tax year)

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

Access
Withdrawals permitted
Penalties during the first two years of opening

Returns
Invested in a With-Profits Fund that targets a cash-beating return over the medium to long term

 

Learn more Apply now

Lifetime ISA

Tax free savings with 25% Government bonus. Up to £1,000 free each tax year!

At a glance

Age
18-39 to open

Min. Investment
£50 per month (up to £4,000 per tax year)

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

Access
Must be open for 12 months before first home purchase
From age 60 for retirement savings

Returns
Invested in a With-Profits Fund that targets a cash beating return over the medium to long term

Learn more Apply now

Junior ISA

A tax-efficient way to save for a child’s future.

At a glance

Age
Under 18

Min. Investment
From £30 per month (up to £9,000 per tax year)

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

Access
From age 18.
5% deduction on transfers during year 1 and 3% during year 2

Returns
Annual and Final Bonuses (share of the With-Profits Fund performance)

Risks
Return linked to With-Profit Fund performance.

Learn more Apply now

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

Investing a larger lump sum?

Our team is here to help you understand our available savings options, so you can choose the one that best meets your needs.

Help me choose the right product

Investing a larger lump sum?

If you have £10,000 or more to invest, open a Lump Sum ISA or With-Profit Bond with us and you’ll get an instant loyalty bonus plus your choice of £200 gift card. Quote GIFTCARD when you apply.

Instant 1% loyalty bonus
when you invest or transfer £10,000 or more into our Lump Sum ISA or With-Profit Bond.

Double your loyalty bonus to 2%
with a total household investment of £30,000 or more.

Plus, choose a £200 gift card
from Amazon.co.uk, Costa Coffee or Greggs. Quote GIFTCARD when you apply.

Get in touch

If you’d like to discuss your financial options, click below to arrange an appointment or call our friendly team on 01689 891454

Talk to us

Why save with Police Friendly

We're the only mutual dedicated exclusively to the UK Police Family. So we understand the ins and outs of Police pay, pensions and the pressures your job brings. We have no shareholders to satisfy, so every penny of profit goes back to our members’ savings or into supporting initiatives across the UK Police Community.

  • 49,000+ members of the Police community helped over the last 25 years
  • £328 million in funds under management
  • 130+ years serving the Police Family
  • All plans fully protected under the FSCS
  • Schroders expertly manage our funds
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Terms and Conditions

 

Terms and Conditions  (1st September 2026 – 31st December 2026)

  1. To qualify for the 1% additional initial bonus offer, invest or transfer between £10,000 and £29,999 into our Lump Sum ISA or With-Profit Bond before 31 December 2026.
  2. Alternatively, to qualify for the 2% additional initial bonus offer, invest or transfer £30,000 or more into our Lump Sum ISA or With-Profit Bond before 31 December 2026.
  3. If you meet any of the above criteria when investing in or transferring to a Lump Sum ISA or With-Profits Bond, you will also be eligible to receive a £200 Gift Card. You can choose from an Amazon.co.uk, Greggs or Costa Gift Card.
  4. Receive a £25 Gift Card from either Amazon.co.uk, Greggs or Costa, for opening a new regular savings ISA (MSISA, JISA) for £30/month or more or £50/month for a LISA by 31 December 2026.
  5. Open a Monthly Savings ISA, Junior ISA or Lifetime ISA with monthly contributions of £100 or more, or £50 or more with the Escalator option added, and receive a £50 Gift Card of your choice: Amazon.co.uk, Costa or Greggs.
  6. For existing regular savings ISA members, increases to existing plans of at least £30/month will also receive an additional £25 Gift Card of your choice: Amazon.co.uk, Costa or Greggs.
  7. Gift Card(s) will be sent to you within 30 days after the 30-day cooling off period or after your first payment, whichever comes last, provided your investment is not cancelled within that time.
  8. If you seek to cancel/transfer your plan or reduce your regular payments to your plan within 12 months of opening, we reserve the right to recover the cost of the gift card from your account.
  9. The money from investments or transfers can be split between partners/children living at the same address, and between Lump Sum ISAs and/or With-Profit Bonds.
  10. If funds are sent in more than one transaction, then these must be received by us within 14 working days of the first transaction and all funds must be received before 31 December 2026.
  11. Reinvestment of existing Lump Sum ISA or With-Profit Bond funds are not eligible for this promotion. However, reinvestments from other maturing products such as Ten-Year Savings Plans or Guaranteed Five Year Savings Plans are eligible.
  12. The total does NOT include regular contributions to our Monthly Savings ISAs/plans.
  13. Your additional bonus will be added to your investment, provided it is not cancelled within the 30-day cooling off period.
  14. The 1% or the 2% additional bonus and gift card offers are not available with the Guaranteed 5 Year Fixed Rate Bond, Guaranteed 5 Year Savings Plan or 10 Year Savings Plan.
  15. The promotional code of GIFTCARD must be stated in the application process.
  16. This Lump Sum offer is not available in conjunction with any other offer excluding the Member Referral Offer.
  17. We reserve the right to apply a period of grace for receipt of funds of up to 7 days in the case of new investments and 14 days in respect of transfers.
  18. We reserve the right to withdraw, amend or replace the offer without prior notification.
  19. MPFS directors, employees and their families are eligible to take part in this promotion but must follow relevant company guidelines.
  20. Amazon.co.uk Gift Card terms and conditions apply, see www.amazon.co.uk/gc-legal.

1Our ISAs are medium risk products, and With-Profit Bond medium low, so you may get back less than you paid in, especially in the early years. You should read the Key Information Document before applying.

2Actual annualised return on our ISAs and (With-Profit Bonds after basic rate tax) held for a period of 10 years (10 year old investment as at 1st January each year from 2017 to 2026). Past performance is not a guide to future returns.

Police Friendly & Metfriendly are the trading names of the Metropolitan Police Friendly Society Limited. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation