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Our savings and investments

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See all our savings and investments or only those that are on sale or off sale.

Or choose based on your savings needs.


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  • Click here for help when selecting Tax-free
  • Click here for help when selecting
  • Click here for help when selecting Income
  • Click here for help when selecting Savings accounts
  • Click here for help when selecting Fixed term



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Use our handy tool to decide on the right investments for you.



Premium Bonds


  • – A £1 million jackpot every month

    Rate used to calculate prize fund 1.50%



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A £1 million jackpot every month


Premium Bonds give you the chance every month to win £1 million. Instead of paying interest, we hold monthly prize draws with a £1 million jackpot and over a million other cash prizes. The more Bonds you have, the better your chances of winning.

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Summary box: key product information
Account name NS&I Premium Bonds
Interest rates Instead of paying interest, we hold a draw every month offering a range of tax-free prizes including a £1 million jackpot
Tax status Tax-free
Withdrawal arrangements No notice, no penalty
Access Apply online, by phone, at a Post Office® or by post; cash in by post

From 1 October 2009
Odds per £1 unit Annual prize fund interest rate Tax Information
24,000 to 1 1.50% All prizes are tax-free

Detailed information Is it right for you?


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Direct ISA


  • – Tax-free savings online and by phone

    Interest rate 2.50% AER



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Tax-free savings online and by phone

Investing your money in a cash ISA allows you to save up to £5,340 in the 2011/12 tax year without paying any UK Income Tax on the interest you earn. With an NS&I Direct ISA, you also benefit from the convenience of managing your account online and by phone.

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Summary box: key product information
Account nameNS&I Direct ISA
Interest ratesVariable, see interest rates
Tax statusTax-free
Conditions for bonus paymentNot applicable
Withdrawal arrangementsNo notice, no penalty
AccessApply, deposit and withdraw online and by phone

Interest rate Tax information
2.50% AER Tax-free
  3.12% basic rate
  4.16% higher rate
  5.00% additional rate
*Equivalent gross rates for taxpayers at current rates of tax.

Detailed information Is it right for you?


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Investment Account


  • – Straightforward savings account with easy access

    Not currently on sale



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Straightforward savings account with easy access


We’re making the NS&I Investment Account simpler – from 21 May 2012 it will become a postal-only account. And instead of using passbooks, we’ll keep you informed by sending transaction records and an annual statement.

We’re not currently accepting new applications for this account, but we will start accepting applications again from 21 May 2012 when the changes take effect.

Already hold an Investment Account?


Don’t worry, you can carry on using your account and your money remains 100% secure. We’re just changing the way you can run the account.

Find out more about the changes


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Index-linked Savings Certificates


  • – Inflation-beating, tax-free returns

    No Issues currently on general sale



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Inflation-beating, tax-free returns


NS&I Index-linked Savings Certificates guarantee that your investment will grow in spending power each year, whatever happens to the cost of living. That’s because they ensure the value of your savings is guaranteed to grow ahead of inflation as measured by the Retail Prices Index (RPI), when held for at least a year.

There are no Issues on general sale at the moment, but if you register for email updates we’ll let you know when the next Issues go on sale.

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Already hold this investment?


Don’t worry, your Certificates are still valid and a range of options will be open to you at the end of the investment term.

Find out more about managing your Certificates


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Guaranteed Growth Bonds


  • – Fixed rate bonds with a choice of terms

    No Issues currently on general sale



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Fixed-rate bonds with a choice of terms

NS&I Guaranteed Growth Bonds give you a guaranteed return on your investment, earning fixed rates of interest over a set term.

There are no Issues on general sale at the moment, but if you register for email updates we’ll let you know as soon as the next Issues go on sale.

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Already hold this investment?


Don’t worry, your Bonds are still valid and a range of options will be open to you at the end of the investment term.

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Children's Bonus Bonds


  • – Invest tax-free for your children’s future

    Interest rate 2.50% AER (Issue 34)



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Invest tax-free for your child’s future


The best thing about NS&I Children’s Bonus Bonds is they allow you to invest for a child’s future in their own name – and there’s no tax to pay on the interest or bonuses.

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Summary box: key product information
Account name NS&I Children’s Bonus Bonds
Interest rates Fixed for set terms see interest rates
Tax status Tax-free
Conditions for bonus payment Bonus when held for five years
Withdrawal arrangements Can be cashed in early, but no interest earned if cashed in within first year
Access Apply at a Post Office® or by post; cash in by post

Issue Interest rate
Issue 34 Guaranteed compound rate over 5 years, including 5th anniversary bonus 2.50% AER

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Direct Saver


  • – Everyday savings online and by phone

    Interest rate 1.50% gross/AER



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Everyday savings online and by phone

The NS&I Direct Saver offers you an attractive rate of interest on your savings as well as the convenience of being able to manage your account online and by phone.

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Summary box: key product information
Account name NS&I Direct Saver
Interest rates Variable, see interest rates
Tax status Taxable, paid gross
Conditions for bonus payment Not applicable
Withdrawal arrangements No notice, no penalty
Access Apply, deposit and withdraw online or by phone

Minimum investment Interest rate
£1 1.50% gross/AER

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Income Bonds


  • – Monthly income at variable rates

    Interest rate 1.45% / 1.46% - 1.75% / 1.76% gross/AER



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Monthly income at variable rates


Investing your money in NS&I Income Bonds is a safe, simple way of earning an additional income every month. Interest rates are variable and tiered, so the more you invest, the higher your income. And if you need your money back, you can cash in whenever you want with no penalty.

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Summary box: key product information
Account name NS&I Income Bonds
Interest rates Variable, paid monthly, see interest rates
Tax status Taxable, paid gross
Conditions for bonus payment Tiered interest – higher rate for investments of £25,000+
Withdrawal arrangements No notice, no penalty
Access Apply online, by phone, by post; cash in by post

Amount Interest rate
£500 - £24,999 1.45% gross/ 1.46% AER
£25,000 + 1.75% gross/ 1.76% AER

Detailed information Is it right for you?


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Easy Access Savings Account


  • – The easy way to build up your savings

    No longer on sale



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This account closes on 27 July 2012


We are no longer accepting new applications for this account. And on 27 July 2012 all remaining Easy Access Savings Accounts will be closed.

Already hold an Easy Access Savings Account?


Don’t worry, you can carry on using your account in the meantime and your money remains 100% secure. You’ll just need to decide what to do with the money in your account and let us know before the closing date. For example, you may want to transfer to our Direct Saver account and earn a higher rate of interest.

Find out more about your options


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Fixed Interest Savings Certificates


  • – Guaranteed returns, tax-free

    No Issues currently on general sale



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Guaranteed returns, tax-free


NS&I Fixed Interest Savings Certificates are lump sum investments that earn guaranteed rates of interest over set terms. What’s more, they’re tax-free, which means you get to keep all the returns.

There are no Issues on general sale at the moment, but if you register for email updates we’ll let you know when the next Issues go on sale.

Find out more

Already hold this investment?


Don’t worry, your Certificates are still valid and a range of options will be open to you at the end of the investment term.

Find out more about managing your Certificates


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Guaranteed Income Bonds


  • – Fixed rate bonds that give a monthly income

    No Issues currently on general sale



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Fixed-rate bonds that give a monthly income

NS&I Guaranteed Income Bonds give you a regular monthly income at a guaranteed rate of interest without eating into your original capital.

There are no Issues on general sale at the moment, but if you register for email updates we’ll let you know as soon as the next Issues go on sale.

Find out more

Already hold this investment?


Don’t worry, your Bonds are still valid and a range of options will be open to you at the end of the investment term.

Find out more about managing your Bonds


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Guaranteed Equity Bonds


  • – Potential returns linked to the FTSE 100 Index.

    No Issues currently on general sale



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Potential returns linked to the FTSE 100 Index, with no risk to your capital

An NS&I Guaranteed Equity Bond offers you a potential return linked to the performance of the FTSE 100 Index over a set term.

So, if the Index grows over the investment term, your savings will also grow. If it falls, you still get back all the money you originally invested. Guaranteed.

We only sell Guaranteed Equity Bonds in limited Issues. There are no Issues on general sale at the moment, but if you register for email updates we’ll let you know as soon as the next Issues go on sale.

Find out more

Already hold this investment?


Don’t worry, your Bond is still valid and an alternative investment option will be open to you at the end of the investment term.

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Definitions

Tax-free means that interest is exempt from UK Income Tax and Capital Gains Tax.

AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross is the taxable rate of interest without the deduction of UK Income Tax.

Net is the rate of interest payable after the deduction of UK Income Tax at the rate specified by law (currently 20%).






This website is intended for residents of the UK, Channel Islands and the Isle of Man only. © National Savings and Investments 2012