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Here are our products

However much you invest, your money is safe with us. We’re backed by HM Treasury so all your savings are 100% secure. Always.

What you can buy

Product Rate/info Tax Minimum Maximum
per person
65+ Guaranteed Growth Bonds Premium Bonds 2.80%

gross/AER,
guaranteed for 1 year

Issue 1

4.00%

gross/AER,
guaranteed for 3 years

Issue 1

Taxable, paid net

 

 

Taxable, paid net

£500

 

 

£500

£10,000

Per Issue, per person

 

£10,000

Per Issue, per person

Premium Bonds Premium Bonds 1.35%

Rate used to calculate prize fund

The odds of each £1 unit winning a prize are 26,000 to 1 each month

The rate and the odds are variable

Eligible for our International Payments Service

Tax-free prizes £100 £40,000
Direct
Saver
Direct Saver
1.10%

gross/AER, variable

Eligible for our International Payments Service

Taxable, paid gross £1 £2 million
Direct
ISA
Direct ISA
1.50%

tax-free/AER, variable

Eligible for our International Payments Service

Tax-free
£1 £15,240

Tax year 2015/16

Income Bonds Income Bonds 1.25%

gross, variable

1.26%

AER (varies with gross rate)

Eligible for our International Payments Service

Taxable, paid gross
£500 £1 million
Children’s Bonds Children's Bonds 2.50%

tax-free/AER, guaranteed for 5 years

Issue 35

Tax-free
£25 £3,000

Per Issue, per child

Investment Account Investment Account 0.75%

gross/AER, variable

Taxable, paid gross
£20 £1 million

Definitions

  • Tax-free means that the interest or prizes are exempt from UK Income Tax and Capital Gains Tax.
  • AER (Annual Equivalent Rate) is a notional rate that illustrates what the annual rate of interest would be if the interest was compounded each time it was paid. Where interest is paid annually, the quoted rate and AER are the same.
  • Gross is the taxable rate of interest without the deduction of UK Income Tax.
International Payments Service

International Payments Service

Send your NS&I payments overseas. Fee-free

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For customers with maturing investments

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