Our products

We offer a variety of savings and investments to suit different people’s needs, all backed by HM Treasury. Use the links below to find out more about our range and print our product guide.

Please note that you can find the Trust/SIPP and Power of Attorney application forms for our products in the Resources page.

  • Premium
    Bonds

    Find out more about Premium <br/> Bonds
    • Premium Bonds offer your clients a serious investment together with the fun and excitement of a chance to win tax-free prizes.

    • Minimum
      £25
      4.65%

      Variable. Annual prize fund rate.

      The odds of each £1 unit winning a prize are 21,000 to 1 each month. 

       Maximum
      £50,000
       
    • Key benefits

      Two £1 million jackpots.

      Over four million prizes each month.

      All prizes are tax-free.

      Provides unique fun element in a portfolio.

    • Annual prize fund rate

      4.40%

      Variable. Odds of each £1 unit winning a prize
      21,000 to 1 each month.

    • Min

      £25
    • Max

      £50,000  

       

    • Who for

      Individuals 16+.

      Under 16, by anyone 16+.

    • Access

      Easy access (no notice, no penalty).

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  • Guaranteed Growth Bonds

    (British Savings Bonds)

    Find out more about Guaranteed Income Bonds
    • Give your clients a guaranteed monthly income without the need to touch their capital investment. The interest rate is fixed for that period, and interest is paid gross.

    • Minimum
      £500
       
      4.50%

       

      Only available for customers renewing maturing Certificates

      Maximum
      £1 million

      Please note: there is no limit on the amount that can be renewed at maturity

       

       

    • Key benefits

      Guaranteed rates.

      Can be held in Trusts and SIPPs.

    • Rate

      4.50%

      gross/AER, guaranteed for 1 year

      Issue 79


      Rate

      4.15%

      gross/AER, guaranteed for 3 years

      Issue 71

    • Min

      £500
    • Max

      £1 million

      per person, per Issue

      Please note: there is no limit on the amount that can be renewed at maturity

       

       

    • Who for

      Individuals 16+, (also jointly), trustees.

    • Access

      No access until the end of the term.

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  • Guaranteed Income Bonds

    (British Savings Bonds)

    Find out more about Guaranteed Income Bonds
    • Give your clients a guaranteed monthly income without the need to touch their capital investment. The interest rate is fixed for that period, and interest is paid gross.

    • Minimum
      £500
       
      4.07% Gross/4.15% AER

       

      Maximum
      £1 million

      per person, per Issue Please note: there is no limit on the amount that can be renewed at maturity

       

       

    • Key benefits

      Guaranteed monthly income.

      Can be held in Trusts and SIPPs.

    • Rate

      4.41%/4.50%

      gross/AER, guaranteed for 1 year

      Issue 79

      Rate

      4.07%/4.15%

      gross/AER, guaranteed for 3 years

      Issue 71

    • Min

      £500
    • Max

      £1 million

      per person, per Issue
      Please note: there is no limit on the amount that can be renewed at maturity

       

       

    • Who for

      Individuals 16+, (also jointly), trustees.

    • Access

      No access until the end of the term.

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  • Green
    Savings Bonds

    Find out more about Green <br/> Savings Bonds
    • Green Savings Bonds offer your clients a fixed interest rate for three years, while contributing to green projects chosen by the Government.

    • Minimum
      £100
       
      3.70%

      gross/AER, fixed for 3 years,
      Issue 5

      Maximum
      £100,000

      per person


      £200,000

      Joint maximum

       
    • Key benefits

      Interest rate fixed for 3 years.

      Investment contributes towards green projects.

       

    • Rate

      2.95%

      gross/AER, fixed for 3 years
      Issue 7

    • Min

      £100
    • Max

      £100,000

      per person, per Issue

      £200,000

      Joint maximum

    • Who for

      Individuals 16+, or jointly.

    • Access

      No access for 3 years from date of investment.

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  • Direct
    ISA

    Find out more about Direct <br/> ISA
    • The NS&I Direct ISA offers your clients tax-free returns and a straightforward, secure way to manage their money online or by phone.

    • Minimum
      £1
       
      2.40%

      tax-free/AER, variable

      Maximum
      £20,000

      Tax year 2023/24

       
    • Key benefits

      Tax-free.

    • Rate

      3.00%

      tax-free/AER, variable

    • Min

      £1
    • Max

      £20,000

      Tax year 2024/25

       

       

    • Who for

      Individuals 18+.

    • Access

      Easy access (no notice, no penalty).

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  • Junior
    ISA

    Find out more about Junior <br/> ISA
    • The NS&I Junior ISA offers your clients to invest tax-free in their child’s name, making it easy to build up a useful lump sum for the child’s future.

    • Minimum
      £1
       
      3.65%

      tax-free/AER, variable until 17 August 2023

      4.00%

      tax-free/AER from 18 August 2023

      Maximum
      £9,000

      Tax year 2023/24

       
    • Key benefits

      Tax-free.

    • Rate

      4.00%

      tax-free/AER, variable

    • Min

      £1
    • Max

      £9,000

      Tax year 2024/25

       

       

    • Who for

      Under 16, by parents, or 16/17 year olds.

    • Access

      No access until the child is 18

      Can only apply for and manage online.

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  • Direct
    Saver

    Find out more about Direct <br/> Saver
    • The Direct Saver account offers a variable interest rate and can be managed online or by phone. No notice is required for withdrawals, which are paid by BACS to a nominated account.

    • Minimum
      £1
      4.00%

      gross/AER, variable

      Maximum
      £2 million

      per person

      £4 million

      Joint maximum

    • Key benefits

      High max limit.

    • Rate

      4.00%

      gross/AER, variable

    • Min

      £1
    • Max

      £2 million

      per person

      £4 million

      Joint maximum

    • Who for

      Individuals 16+, or jointly.

    • Access

      Easy access (no notice, no penalty).

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  • Income
    Bonds

    Find out more about Income <br/> Bonds
    • Income Bonds provide a monthly income at a variable interest rate, with absolutely no risk to your clients’ capital. The investment is not linked to a fixed term, so it can be cashed in when needed with no notice or penalty.

    • Minimum
      £500
      3.93%/4.00%

      gross/AER, variable

      Maximum
      £1 million

      per person

      £2 million

      Joint maximum

    • Key benefits

      Monthly income (see summary box).

      Variable interest rate.

      High max limit.

      Can be held in Trusts and SIPPs.

    • Rate

      3.93%/4.00%

      gross/AER, variable

    • Min

      £500
    • Max

      £1 million

      per person

      £2 million

      Joint maximum

    • Who for

      Individuals 16+, or jointly.

    • Access

      Easy access (no notice, no penalty).

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  • Investment Account


    We also have a postal-only account – the Investment Account – that currently pays our lowest rate of interest (1.00% gross/AER, variable). We are not promoting this account on our website, but if you do want to find out more about it, please contact us.

  • Not currently on sale

    • Index-linked Savings Certificates

      Find out more about Index-linked Savings Certificates
      • With Index-linked Savings Certificates, you can be certain that the return on your clients’ savings will stay ahead of inflation. They are lump sum investments that move in line with the CPI (or RPI for investments made before 1st May 2019) and earn extra interest at guaranteed rates that stay the same for the length of the term. They’re totally free of UK Income Tax and Capital Gains Tax.

      • Minimum
        £100
         
        Rate not applicable

         

        Only available for customers renewing maturing Certificates

        Maximum

        Please note: there is no limit on the amount that can be renewed at maturity

         

         

      • Key benefits

        Tax-free.

        Index-linked to RPI for all Certificates renewed before 1 May 2019.

        Index-linked to CPI for all Certificates renewed on or after 1 May 2019.

        Can be held in Trusts and SIPPs.

      • Rate

        Rate not applicable

         

        Only available for customers renewing maturing Certificates

      • Min

        £100
      • Max

        Please note: there is no limit on the amount that can be renewed at maturity

         

         

      • Who for

        Individuals 16+, (also jointly), trustees.

      • Access

        Early access is subject to a 90-day interest penalty on the amount repaid, plus loss of a year’s index-linking on the whole Certificate.
        Certificates renewed on or after 23 July 2023 cannot be cashed in before the end of their new term.

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    • Fixed Interest Savings Certificates

      Find out more about Fixed Interest Savings Certificates
      • Fixed Interest Savings Certificates are lump sum investments that earn guaranteed rates of interest over set periods of time. They are free from UK Income Tax and Capital Gains Tax and can be held in addition to any other tax-free investments that your client may hold.

      • Minimum
        £100
         
        Rate not applicable

         

        Only available for customers renewing maturing Certificates

        Maximum
        £15,000

        Please note: there is no limit on the amount that can be renewed at maturity

         

         

      • Key benefits

        Tax-free.

        Guaranteed returns.

        Can be held in Trusts and SIPPs.

      • Rate

        Rate not applicable

         

        Only available for customers renewing maturing Certificates

      • Min

        £100
      • Max

        Please note: there is no limit on the amount that can be renewed at maturity

         

         

      • Who for

        Individuals 16+, (also jointly), trustees.

      • Access

        Early access is subject to a 90-day interest penalty on the amount repaid.
        Certificates renewed on or after 23 July 2023 cannot be cashed in before the end of their new term.

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  • Historical interest rates


    We are committed to keeping you informed and up to date on changes in the interest rates for our variable rate accounts and investments over at least the previous 12 months. We have also included the interest rates for our fixed term investments.

Adviser email updates

Adviser email updates offer the quickest, easiest way to stay up to date with the latest news on our products, interest rates and other important developments affecting advice firms.

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