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



Need help to decide?


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



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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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

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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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