Anytime Access

Part of Options ISA

What is the Options ISA?

The Options ISA is a stocks and shares ISA that gives you four different, tax-efficient options to save lump sums, regular amounts or both. You can pick just one option, split your money across several or put money into different options, at different times. 

So, whether you’re looking for a fixed rate, total security, potentially better returns or a combination of all of these, you can get them all with our Options ISA plan.

Why Anytime Access?

This option is for savers who want a money back guarantee at all times. It’s safe and secure, plus any returns you make are also protected.

To open it, we only require a £40 initial lump sum or regular payments of £40 every month. It’s more suited for those who wish to save over a shorter period of time.

It’s worth noting though, the growth potential with Anytime Access is lower than with any of the other options.

Options ISA brand image

Key features

Money back guarantee

You can always access at least what you put in and any growth is also protected.

Small minimum investment required

We only require a £40 initial lump sum or a £40 regular monthly premium.

Transfers, top ups and changes

You can change or stop a monthly regular payment at any time and transfers from previous tax years are also allowed.

Am I eligible?

Yes, if you’re a UK resident. The minimum age for opening a plan is 18 and the maximum age you can add money is 85. You will also need to be a serving/retired police employee, Special or a member of their family.

Partners and wider family of the above, including parents, brothers and sisters, children and grandchildren, nieces and nephews, brothers and sisters-in-law and parents-in-law are also eligible.

Family eligbility cards


How do I save?

You can make regular monthly payments via Direct Debit, alternatively you can make a one-off payment by card, bank or building society account transfer, cheque (not online) or ISA transfer.

What if I want better growth potential?

Our Options ISA includes other options you may find of interest:

Fixed Term

For savers who want to invest a lump sum over a fixed term for fixed growth.

More info

Protected Growth

For savers looking to invest a lump sum over five years or more with guaranteed protection.

More info

Non Guaranteed

For savers who are willing to sacrifice guarantees for potentially higher returns.

More info

You may also want to know how different options can work together. Click here to see how, using our Options ISA Calculator.

And finally, if you want to look into the benefits of a stocks and shares ISA versus a Cash ISA, please seek professional advice.

Important information

It’s important you understand all of the key features of the Options ISA if you are considering applying.

Apply now

It should take no more than 5 minutes to complete the online application. 
Just have your NI number and bank details to hand.

Apply now

Or if you’d prefer to call to apply, ring us on 01543 441 630.

These products are provided by Police Mutual Assurance Society Limited trading as Police Mutual, more information is available on our legal page.