Topping up your savings

If you want to top up your savings every now and then, a bank transfer could be right for you. If you want to top up more regularly, you can set up a standing order with your bank.

Simply give the details to your bank, tell them how much to transfer and when.

You'll normally be able to do this online, by phone or in a branch. There's no need to enter your card details and we'll update your account when we've received the money.

You can invest by bank transfer or standing order for Premium Bonds, Income Bonds, Direct Saver, Direct ISA, Junior ISA and our Investment Account.

You'll find all the details you need below:

• Premium Bonds

  Pay by bank transfer or Standing Order

  You can use our online and phone service if you have:

  • You must be aged 16 or over and buying Bonds in your own name, or in the name of a child under 16.
  • You or the child must already have some Premium Bonds, and you must know your (or the child’s) holder’s number.
  • Each investment must be at least £25 and in whole pounds.
  • The bank account must be a UK account in your name.
  • When buying by bank transfer, you are confirming that you have read and accepted the current customer agreement.
  • When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.
  • Any transfers that would take you over the £50,000 limit will be automatically refunded in full to your bank account, so you may want to check your Premium Bonds balance before investing.
  • Please note that we do not accept payment via Clearing House Automated Payment System (CHAPS).

  Give the following details to your bank and tell them how much to transfer and how often. You’ll normally be able to do this online, by phone or in a branch, depending on your bank.

  When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.

  Reference:

  You must enter your (or the child's) Premium Bonds holder's number only (not your NS&I number) as your reference. You can find your holder’s number on your bond record or by logging in online. Make sure you enter the holder's number correctly without any hyphens, spaces or full stops.

  Payee name:

  NS&I

  Account number:

  11994808

  Sort code:

  08 31 15

  You should receive confirmation of your investment within 5 working days of us receiving money from your bank.

  Or you can download and print a standing order form, then complete it and give it to your bank.

  Print and complete a standing order form

  To cancel, please contact your bank – not NS&I.

  For large amounts, please check your bank’s upper limit for electronic payments.

  Prefer to top up by debit card?

  Top up

• Income Bonds

  Pay by bank transfer or Standing Order

  All your deposits must be at least £500 and from a UK bank account in your own name.

  Reference:

  You must enter your Income Bonds account number (not your NS&I number) as the reference when you instruct your bank. This will ensure your payment reaches the right account. You can find your account number on your statement or by logging into our online service. Make sure you enter your Income Bonds account number correctly.

  Payee name:

  NS&I

  Account number:

  11994808

  Sort code:

  60 89 78

  Or you can:

  Print and complete a standing order form

  When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.

  To cancel, please contact your bank – not NS&I.

  For large amounts, please check your bank’s upper limit for electronic payments.

  Prefer to top up by debit card?

  Top up

• Direct Saver

  Pay by bank transfer or Standing Order

  All your deposits must be from a UK bank account in your own name.

  Reference:

  You must enter your Direct Saver account number (not your NS&I number) as the reference. You can find your account number on your statement or by logging into our online service. Make sure you enter your Direct Saver account number correctly.

  Payee name:

  NS&I

  Account number:

  11994808

  Sort code:

  08 31 35

  Or you can:

  Print and complete a standing order form

  When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.

  To cancel, please contact your bank – not NS&I.

  For large amounts, please check your bank’s upper limit for electronic payments.

  Prefer to top up by debit card?

  Top up

• Direct ISA

  Pay by bank transfer or Standing Order

  All your deposits must be from a UK bank account in your own name.

  Reference:

  You must enter your Direct ISA account number (not your NS&I number) as the reference. You can find your account number on your statement or by logging into our online service. Make sure you enter your Direct ISA account number correctly.

  Payee name:

  NS&I

  Account number:

  11994808

  Sort code:

  08 31 20

  Or you can:

  Print and complete a standing order form

  When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.

  To cancel, please contact your bank – not NS&I.

  Any deposits that would take you over the annual subscription limit will be automatically refunded in full to your bank account, so you may want to check before making the deposit.

  Prefer to top up by debit card?

  Top up

• Junior ISA

  Pay by bank transfer or Standing Order

  All deposits must be from a UK bank account.

  Reference:

  You must enter your Junior ISA account number (not your NS&I number) as the reference. You can find your account number on your statement or by logging into our online service. Make sure you enter your Junior ISA account number correctly.

  Payee name:

  NS&I

  Account number:

  11994808

  Sort code:

  60 89 73

  When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.

  To cancel, please contact your bank – not NS&I.

  Any deposits that would exceed the annual subscription limit will be automatically refunded in full to your bank account, so you may want to check before making the deposit.

  Prefer to top up by debit card?

  Top up

• Investment Account

  All your deposits must be from a UK bank account in your own name.

  Reference:

  You must enter your Investment Account number (not your NS&I number) as the reference. You can find your account number on your statement or by logging into our online service. Make sure you enter your Investment Account number correctly.

  Payee name:

  NS&I

  Account number:

  11994808

  Sort code:

  08 31 30

  Or you can:

  Print and complete a standing order form

  When you set up your payment, you may receive a message saying 'This account can't be checked' or something similar. This doesn't mean the details you are using are wrong but please check them carefully.

  To cancel, please contact your bank – not NS&I.

  For large amounts, please check your bank’s upper limit for electronic payments.