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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 Quick Guide.

  • 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
      £100
       
      1.15%

      Variable. Rate for prize fund. The odds of each £1 unit winning a prize are 30,000 to 1 each month.

      Maximum
      £50,000
       
    • Key benefits

      Two £1 million jackpots.

      Over two million prizes each month.

      All prizes are tax-free.

      Provides unique fun element in a portfolio.

    • Rate

      1.15%

      Variable. Rate for prize fund. The odds of each £1 unit winning a prize are 30,000 to 1 each month.

    • Min

      £100
    • Max

      £50,000  

       

    • Who for

      Individuals 16+.

      Under 16, by parents, guardians, grandparents or great-grandparents.

    • Access

      Funds normally received within 8 working days by BACS or crossed warrant.

  • Investment Guaranteed
    Growth Bonds

    Find out more about Investment Guaranteed <br/> Growth Bonds

    • Fixed rate Bond with a highly competitive rate.
      On sale until 10 April 2018.
      Guaranteed return after 3 years.


    • Minimum
      £100
       
      2.20%

      gross/AER, guaranteed for 3 years (Issue 1)

      Maximum
      £3,000

      Per Issue, per person

       
    • Key benefits

      Fixed rate Bond with a highly competitive rate.

      On sale until 10 April 2018.

       

    • Rate

      2.20%

      gross/AER, guaranteed for 3 years

    • Min

      £100
    • Max

      £3,000

      per Issue, per person

       

       

    • Who for

      Individuals 16+.

    • Access

      Repayment by BACS.
      Can only invest and manage this Bond online.
      No penalty for repayment at full term. Otherwise penalty equivalent to 90 days’ interest on amount cashed in.

  • 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
       
      0.75%

      tax-free/AER, variable

      Maximum
      £20,000

      Tax year 2017/18

       
    • Key benefits

      Tax-free.

    • Rate

      0.75%

      tax-free/AER, variable

    • Min

      £1
    • Max

      £20,000

      per tax year

       

       

    • Who for

      Individuals 16+.

    • Access

      Repayment by BACS. Withdrawals - no notice no penalty.

  • 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
       
      2.00%

      tax-free/AER, variable

      Maximum
      £4,128

      Tax year 2017/18

       
    • Key benefits

      Tax-free.

    • Rate

      2.00%

      tax-free/AER, variable

    • Min

      £1
    • Max

      £4,128

      per tax year

       

       

    • Who for

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

    • Access

      No access until the child is 18

  • 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
       
      0.70%

      gross/AER, variable

      Maximum
      £2 million

      per person

       
    • Key benefits

      High max limit.

    • Rate

      0.70%

      gross/AER, variable

    • Min

      £1
    • Max

      £2 million

      per person

    • Who for

      Individuals, or jointly

    • Access

      Repayment by BACS.

      Min withdrawal £1.

  • 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
       
      0.75%

      gross/AER, variable

      Maximum
      £1 million

      per person

       
    • Key benefits

      Monthly income.

      Variable interest rate.

      High max limit.

    • Rate

      0.75%

      gross/AER, variable

    • Min

      £500
    • Max

      £1 million

      per person

    • Who for

      Individuals, or jointly

    • Access

      Easy access (no notice, no penalty). Repayment by BACS.

  • Children's
    Bonds

    Find out more about Children's <br/> Bonds
    • By choosing Children’s Bonds, your client can invest tax-free in their child’s name, making it easy to build up a useful lump sum for the child’s future.

    • Minimum
      £25
       
      2.00%

      tax-free/AER, guaranteed for 5 years

      Maximum
      £3,000

      Per Issue, per child

    • Key benefits

      Long-term, tax-free investment for their child’s future.

      Guaranteed return after 5 years.

    • Rate

      2.00%

      tax-free/AER, guaranteed for 5 years


      Issue 36

    • Min

      £25
    • Max

      £3,000

      Per Issue, per child

    • Who for

      Under 16, by parents, guardians, grandparents or great-grandparents.

    • Access

      Repayment by BACS.

      No penalty for repayment at full term. Otherwise penalty equivalent to 90 days’ interest on amount cashed in.

  • Investment Account

    Find out more about Investment <br/> Account
    • The Investment Account offers a variable interest rate and can be managed by post only. No notice is required for withdrawals, which are paid by BACS to a nominated account or by warrant (like a cheque).

    • Minimum
      £20
       
      0.45%

      gross/AER, variable

      Maximum
      £1 million

      Per person

    • Key benefits

      Postal only account.

      High max limit.

    • Rate

      0.45%

      gross/AER, variable

    • Min

      £20
    • Max

      £1 million

      Per person

    • Who for

      Individuals aged 16 or over, or jointly.

      Under 16, by parents, guardians, grandparents or great-grandparents.

    • Access

      Easy access (no notice, no penalty).

      Repayment by BACS or crossed warrant.

 
  • Currently off-sale to new customers

    • 65+ Guaranteed Growth Bonds

      Find out more about 65+ Guaranteed Growth Bonds
      • With 65+ Guaranteed Growth Bonds, your clients know exactly what they’ll receive when their Bond matures. They get a guaranteed fixed return on their investment, so they can plan confidently for the future.

      • Minimum
        £500
         
        Rates not applicable

         

        Maximum
        £10,000

        per person, per Issue

         

         

      • Key benefits

        Guaranteed rates.

      • Rate

        Rates not applicable

         

      • Min

        £500
      • Max

        £10,000

        per person, per Issue

         

         

      • Who for

        Individuals, or 2 jointly

      • Access

        Funds normally received within 8 working days by BACS.

        No penalty for repayment at full term. Otherwise penalty equivalent to 90 days’ interest on amount cashed in.

    • Guaranteed Growth Bonds

      Find out more about Guaranteed Growth Bonds
      • Guaranteed Growth Bonds are designed for people who can keep their money invested for the full term, giving your clients the certainty of knowing exactly what return they will get on their money.

      • Minimum
        £500
         
        Rate not applicable

         

        Maximum
        £1 million

        Sole maximum, paid gross

         
        £2 million

        Joint maximum, paid gross

      • Key benefits

        Guaranteed rates.

        Choice of terms.

        High max limit.

        Can be held in Trusts and SIPPs.

      • Rate

        Rate not applicable

         

      • Min

        £500
      • Max

        £1 million

        Sole maximum, paid gross

        £2 million

        Joint maximum, paid gross

      • Who for

        Individuals 16+ or 2 jointly; trustees.

      • Access

        Funds normally received within 8 working days by BACS.

        No penalty for repayment at full term. Otherwise penalty equivalent to 90 days’ interest on amount cashed in.

    • Guaranteed Income Bonds

      Find out more about Guaranteed Income Bonds
      • Give your clients a guaranteed monthly income without the need to touch their capital investment. Offering a choice of terms, the interest rate is fixed for that period, and interest is paid gross, meaning no further liability for basic or lower rate taxpayers.

      • Minimum
        £500
         
        Rate not applicable

         

        Maximum
        £1 million

        per person, per Issue

         

         

      • Key benefits

        Guaranteed monthly income.

        Choice of terms.

        High max limit.

        Can be held in Trusts and SIPPs.

      • Rate

        Rate not applicable

         

      • Min

        £500
      • Max

        £1 million

        per person, per Issue

         

         

      • Who for

        Individuals, or 2 jointly; trustees for not more than 2 individuals.

      • Access

        Funds normally received within 8 working days by BACS.

        No penalty for repayment at full term. Otherwise penalty equivalent to 90 days’ interest on amount cashed in.

    • 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 RPI 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

         

        Maximum
        £15,000

        per person, per Issue

         

         

      • Key benefits

        Tax-free.

        Inflation linked to RPI.

        Can be held in Trusts and SIPPs.

      • Rate

        Rate not applicable

         

      • Min

        £100
      • Max

        £15,000

        per person, per Issue

         

         

      • Who for

        Individuals 16+, (also jointly), trustees.

      • Access

        Funds normally received within 8 working days by BACS.

        No penalty for repayment at full term. Otherwise penalty equal to 90 days’ interest on the amount cashed in and a loss of index-linking on the whole Certificate for the investment year.

    • 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

         

        Maximum
        £15,000

        per person, per Issue

         

         

      • Key benefits

        Tax-free.

        Guaranteed returns.

        Can be held in Trusts and SIPPs.

      • Rate

        Rate not applicable

         

      • Min

        £100
      • Max

        £15,000

        per person, per Issue

         

         

      • Who for

        Individuals 16+, (also jointly), trustees.

      • Access

        Funds normally received within 8 working days by BACS.

        No penalty for repayment at full term. Otherwise penalty equivalent to 90 days’ interest on amount cashed in.

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.
Why Phil Billingham recommends NS&I Why Phil Billingham recommends NS&I

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