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Our savings and investments

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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

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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.

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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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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

Detailed information Is it right for you?


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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.

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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.

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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