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Index-linked Savings Certificates

Inflation-beating savings with tax-free returns

With our Inflation-Beating Savings, you can be sure that the value of your savings will stay ahead of any increase in the Retail Prices Index over the investment term. This gives you real peace of mind.

Because inflation fluctuates, you won’t know exactly how much you are going to receive until your Certificates mature. But you can be sure that your money will have more spending power.

We’ve included a summary box below to help you compare this investment with those from other providers.

Summary box: key product information

Account name	NS&I Index-linked Savings Certificates
Interest rates (AERs)	Index-linking (RPI) plus fixed interest for set terms - see interest rates
Tax status	Tax-free
Conditions for bonus payment	Not applicable
Withdrawal arrangements	Can be cashed in early, but no index-linking or interest paid if cashed in within first year
Access	Apply online, by phone, at a Post Office® or by post; cash in by post

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Benefits

Inflation-beating
Tax-free
Choice of terms

Helpful information

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