ISAs

Grow your savings tax-free with an ISA

Save and invest tax-free, keep more of what you earn.
Make the most of your whole family's ISA allowances
Pay from your salary (where available), via Direct Debit or move money directly from your bank account.

Browse ISAs 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

£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.

Browse ISAs

12 months' Free Critical Illness Cover

Our Critical Illness Cover provides a valuable safety net should you become critically ill or are diagnosed with one of the medical conditions covered.

Apply within the first 12 months of your UK Police Career and get your first 12 months' premiums free with no obligation to continue. Terms and Conditions apply.

Learn More

Individual Savings Accounts (ISA)

Lump Sum ISA

A tax-efficient way to invest a lump sum for the medium to long term.

At a glance

Min. Investment
£2,000 (up to £20,000 per tax year)

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

Access
Open-ended.

3% deduction on withdrawals or transfers during year 1

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

Risks
Return linked to With-Profits Fund performance. 

Learn more Apply now

Monthly Savings 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

Lifetime ISA

Tax-free savings with 25% Government bonus.  

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 property purchase or age 60 for retirement savings to retain Government bonus.

Returns
25% Government Bonus (up to £1,000 per tax year)
Linked to performance of our With-Profits Fund

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

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

Police Pay Guide

Download our Police Pay Scales Guide to discover:

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

Get your copy of the latest guide

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

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.