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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 1.40%

Rate used to calculate prize fund

The odds of each £1 unit winning a prize are 24,500 to 1 each month

The rate and the odds are variable

Eligible for our International Payments Service

tax-free prizes £100 £50,000
Guaranteed Income Bonds Guaranteed Income Bonds 1.45%gross,
1.46%AER, guaranteed for 1 year

Issue 63

1.90%gross,
1.92%AER, guaranteed for 3 years

Issue 58

Taxable, paid gross

£500 £10,000

Per person, per Issue

Guaranteed Growth Bonds Guaranteed Growth Bonds 1.50%

gross/AER, guaranteed for 1 year

Issue 63

1.95%

gross/AER, guaranteed for 3 years

Issue 58

Taxable, paid gross

£500 £10,000

Per person, per Issue

Junior ISA Junior ISA 2.50%

tax-free/AER, variable

Tax-free
£1 £4,260

Tax year 2018/19

Income Bonds Income Bonds 1.15%

gross

1.16%

AER, variable


Eligible for our International Payments Service

Taxable, paid gross
£500 £1 million
Direct
ISA
Direct ISA
0.75%

tax-free/AER, variable

Eligible for our International Payments Service

Tax-free
£1 £20,000

Tax year 2018/19

Direct
Saver
Direct Saver
1.00%

gross/AER

Eligible for our International Payments Service

Taxable, paid gross £1 £2 million
Investment Account Investment Account 0.80%

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

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No longer available

For customers with maturing investments

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