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About NS&I - What we do

What we do


As an integral part of the Government’s debt management arrangements, NS&I is responsible for providing cost-effective financing to the Government by issuing and selling retail savings and investment products to the public. Our overall aim is to help to reduce the cost to the taxpayer of Government borrowing.

NS&I is one of the largest savings organisations in the UK, with over 25 million customers and more than £100 billion invested.

Unlike other financial services organisations, when customers invest in our savings and investments they are lending to the Government. In return the Government pays interest, stock market linked returns or prizes for Premium Bonds. NS&I is backed by HM Treasury, so we can offer 100% security on every penny invested.

We set our rates to balance the interests of three groups: our customers – offering them a fair rate; taxpayers – with our remit to raise cost-effective finance for government; and the wider financial services sector – supporting stability.