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Police Pay Scales 2026/27 Guide

We've broken down every pay point for every rank, and the allowances that go with them. Download now for your free copy.

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What's inside the Pay Scale Guide?

A guide to the 2026/27 pay award, written simply for you to understand.

This includes:

The annual salary for every rank, from Constable to Chief Superintendent.
The salary at each pay point within a rank.
The allowances that apply, including the motor vehicle allowance.

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Serving the police family for over 130 years

We have been supporting the Police Family since 1893 when volunteers formed the Metropolitan Police Provident Association to help widows of colleagues, and retiring Police Officers.

Since then we’ve been offering unique Police-friendly financial products and services to serving and retired Police Officers, Police Staff and their families across the whole of the UK. Although we are known as Metfriendly in London we have listened to the UK Police Family and so have added a new name, Police Friendly, to cover the rest of the UK.

Made for the Police Family

130+ year heritage

Since 1893, we've been serving police officers, staff, and their families across the UK. Built on mutual support & trust, giving you a community that understands the job.

Better protection

All of 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.

Member-owned

Operated for the benefit of the members and wider police family

Save for your future

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.

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

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

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

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 22.25% return over 5 years, with a gross rate of 4.1%.

At a glance

Returns
4.1% fixes (5.125% gross) per year*

Min. Investment
£10,000

Recommended Term
Fixed for 5 Years

Access
No withdrawals during the term

*Gains paid net of basic rate tax
Higher and additional rate taxpayers may have further tax liability

Learn more Apply now

Not sure what’s right for you?

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

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 Scales 2026/27 Guide

What's inside the Pay Scale Guide?

Download your free police pay scales 2026/27 guide

Serving the police family for over 130 years

Made for the Police Family

130+ year heritage

Better protection

Member-owned

Save for your future

Lump Sum ISA

At a glance

Lifetime ISA

At a glance

Monthly ISA

At a glance

With-Profit Bond

At a glance

Min. Investment

5-Year Fixed Rate Bond

At a glance

Not sure what’s right for you?

Invest & Protect for your family's future

Junior ISA

Children’s 10 Year Saving Plan

Life Insurance