NS&I

NS&I savings accounts

Government-backed NS&I holds more than £100 billion invested by UK savers. The savings provider is best known for its Premium Bonds and index-linked savings certificates (though these are not always available) but is also unique in that your entire savings and investment balances will be protected, rather than just the first £85,000 under the Financial Services Compensation Scheme (FSCS). This is why NS&I is consistently popular among savers.

NS&I stands for National Savings and Investments and, with over 26 million customers, is one of the largest savings organisations in the UK. NS&I is different to other savings providers as it’s backed by the government.

Compare NS&I savings accounts - Ordered by interest rate (AER)

National Savings & Investments

Investment Guaranteed Growth Bond Issue 1

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Interest rate (AER)

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Min/max opening amount

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Term

3 year bond

Account type

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Access Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{500 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Notice period

none

Account type

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Access Account
Great for
  • Unlimited deposits and withdrawals
But be aware that
  • No branch access available

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

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Notice period

none

Account type

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Access Account
Great for
  • Simple online access
But be aware that
  • Transfers permitted from NS&I ISAs only

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

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Notice period

none

Account type

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Access Account
National Savings & Investments

Investment Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{20 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Notice period

none

Account type

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Access Account


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NS&I Savings Guide

NS&I is also renowned for its index-linked savings certificates which ensure your interest is ahead of inflation. However, depending on the inflation and interest rates, these products are not always on sale.

NS&I also offers a range of savings accounts including fixed and variable rate ISAs, easy access savings accounts, income bonds (and income bonds for children) and a range of investments. You can choose whether you want to operate your account by post, telephone or online.

Unlike savings accounts from other providers, NS&I doesn’t require you to give notice prior to a withdrawal, and there are no penalties to pay for accessing your money.

Government-backed NS&I holds more than £100 billion invested by UK savers.

The savings provider is best known for its Premium Bonds and index-linked savings certificates (though these are not always available) but is also unique in that your entire savings and investment balances will be protected, rather than just the first £85,000 under the Financial Services Compensation Scheme (FSCS). This is why NS&I is consistently popular among savers.

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