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Save regularly

Start small today and build something powerful for tomorrow

By setting aside even a modest amount each month, you can build a meaningful sum that supports your future goals. 

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Turn small habits into rewards

Whether you are putting money aside for a rainy day, a family holiday, or retirement, the secret is consistency. We are here to make regular saving simple, flexible, and rewarding, so you can get on with life while your pot grows in the background.  

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Better protection

Our policies are fully protected by the Financial Services Compensation Scheme (FSCS). Designed to keep your savings safe if a provider fails, giving you peace of mind.

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Built for the Police Family

A Friendly Society serving the UK Police Family for 130+ years.

Association of financial mutuals

Member-owned

As a mutual, all profits are returned to Members through bonuses and in support of the wider Police Family.

Monthly ISA

A tax-free way to grow your savings for the medium to long term.

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
Open ended
5% deduction on withdrawals or 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-Profits Fund performance.


 

Learn more Apply now

Junior ISA

A tax-free 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

Lifetime ISA

Tax-free savings with 25% Government bonus. 


At a glance

Age
18-39 to open

Min. Investment
From £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 property purchase or age 60 for retirement savings to retain Government bonus

Returns
25% Government Bonus (up to £1,000 per tax year)

Risks

Linked to performance of our With-Profits Fund 

Learn more Apply now

5 Year Savings Plan

A regular savings plan with a set return after 5 years. Build your savings with monthly contributions and enjoy peace of mind with a guaranteed lump sum.

At a glance

Age

18+

Min. Investment

£20 per month

Term

Locked for 5 years

Penalties for early withdrawal

Returns

Guaranteed lump sum

Return of premiums plus one additional premium at maturity

Learn more Apply now

10 Year Savings Plan

A long-term tax efficient savings plan invested for growth. Perfect for those who want a simple, disciplined approach to build a lump sum over 10 years. It can even be left to grow after all payments into the plan have been made.

At a glance

Age

18-55 (50 if smoker)

Min. Investment
From £25 up to £300 per month

Term
10 years fixed term

Penalties for early withdrawal

Returns
Guaranteed return plus bonuses depending on performance of With-Profits Fund
Includes life cover

Learn more Apply now

Children’s 10 Year Plan

Give a child a solid financial start. Save £25 a month tax-free for ten years, and the pot can be left to grow until they need it.

At a glance

Age

Under 18

Min. Investment
£25 per month (fixed)

Term
10 years fixed term
Can be surrendered before 10 years but child may get back less than amount paid in. 

Returns
Guaranteed return plus bonuses depending on performance of With-Profits Fund
Tax-free
Includes life cover

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 return applies.

All serving and retired Police Officers, Staff and their families are eligible

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£25 Amazon.co.uk
Gift Card

Receive a £25 Amazon.co.uk Gift Card when you open a regular savings ISA by 5th April 2026. Choose from our Monthly Savings ISA, Lifetime ISA or Junior ISA

Quote code Offer26. Terms and Conditions apply.

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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

Our Partners

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

Get directions

Request a callback

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.

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