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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.


  • Click here for help when selecting Guaranteed returns
  • 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.



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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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.

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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.

Find out more about managing your Bonds


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You and your money


Money is complex, but we can help you make sense of it. Our online guide provides practical information for every life stage.

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