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Here are our products

However much you invest, all of your money is 100% safe with us as we’re backed by HM Treasury.
Life’s more fun with safer savings.

What you can buy

Product Rate/info Tax Minimum Maximum
per person
Premium Bonds Premium Bonds 1.15%

Rate used to calculate prize fund

The odds of each £1 unit winning a prize are 30,000 to 1 each month

The rate and the odds are variable

Eligible for our International Payments Service

tax-free prizes £100 £50,000
Investment Guaranteed Growth Bonds

Investment Guaranteed Growth Bonds
2.20%

gross/AER, guaranteed for 3 years


Issue 1

Taxable, paid gross
£100 £3,000

Per Issue, per person

Junior ISA Junior ISA 2.00%

tax-free/AER, variable

Tax-free
£1 £4,128

Tax year 2017/18

Direct
Saver
Direct Saver
0.70%

gross/AER, variable

Eligible for our International Payments Service

Taxable, paid gross £1 £2 million
Direct
ISA
Direct ISA
0.75%

tax-free/AER, variable

Eligible for our International Payments Service

Tax-free
£1 £20,000

Tax year 2017/18

Income Bonds Income Bonds 0.75%

gross/AER, variable

Eligible for our International Payments Service

Taxable, paid gross
£500 £1 million
Investment Account Investment Account 0.45%

gross/AER, variable

Taxable, paid gross
£20 £1 million

Definitions

  • Tax-free means that the interest or prizes are exempt from UK Income Tax and Capital Gains Tax.
  • AER (Annual Equivalent Rate) illustrates what the annual rate of interest would be if the interest was compounded each time it was paid. Where interest is paid annually, the quoted rate and the AER are the same.
  • Gross is the taxable rate of interest without the deduction of UK Income Tax.

International Payments Service

Send your NS&I payments overseas. Fee-free

Find out more Find out more

No longer on sale

65+ Guaranteed Growth Bonds

65+ Guaranteed Growth Bonds

For existing customers only

What you need to know What you need to know

For customers with maturing investments

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