Our customers

Why Patrick Connolly recommends NS&I Why Patrick Connolly recommends NS&I

“The NS&I name gives absolute confidence to us and our clients. We use NS&I to access unique products such as Premium Bonds and, when they’re available, Index-linked Saving Certificates, and also for wealthier clients who would otherwise be concerned with FSCS limits”

Patrick Connolly - Chartered Financial Planner
Chase de Vere

NS&I is one of the largest savings organisations in the UK, with around 25 million customers, and over £193 billion invested.

Premium Bonds, Income Bonds and Direct Saver are the most popular products with our more affluent customers.


Our backing by HM Treasury provides 100% security for customers’ savings. This unique guarantee appeals to a wide range of customers, however we know that it is particularly attractive to the more cautious investor – including those in retirement, or approaching it. Also, older customers clearly tend to have more savings accumulated than those at younger life stages.


NS&I has over 2.3 million customers with £25,000 or more invested with us, and just over 10,500 customers have £1,000,000 or more invested.

Just over 1.6 million customers have in excess of £30,000 invested in Premium Bonds, with over 820,000 of these customers having the maximum £50,000 invested.

The average holding value for Income Bonds is just over £71,600 and for our Direct Saver account is over £80,200.

Length of holding

NS&I customers tend to retain their holdings for a long time. For example, the average length of holding for Premium Bonds is 14 years and for Income Bonds is 6 years.

Figures correct as of January 2021

1 million

customers have invested



customers with

£1 million+


Over 820,000

customers hold the maximum


in Premium Bonds

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