NS&I

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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 download our Quick Guide.

NS&I offers a range of tax-free products, some of which are unique. These investments are completely free from Income Tax and Capital Gains Tax, and don't need to be declared on tax returns. Some of these investments may not always be on general sale.
Product name Rate Tax Min Max Status
Premium Bonds Rate for prize fund
1.35%
variable
Tax-free £100 £40,000
The odds of each £1 unit winning a prize
are 26,000 to 1 each month
On sale
Direct ISA 1.50%
AER
variable
Tax-free £1 £15,000
Tax year 2014/15
On sale
Children’s Bonds 2.50%
AER
Guaranteed 5 years
Tax-free £25 £3,000
per Issue, per child
On sale
Fixed Interest Savings Certificates Rate not applicable
Tax-free £100 £15,000
per person, per Issue
Off sale
Index-linked Savings Certificates Rate not applicable
Tax-free £100 £15,000
per person, per Issue
Off sale
A secure home for savers, offering guaranteed rates of interest and a choice of terms.
Product name Rate Tax Min Max Status
Guaranteed Growth Bonds Rate not applicable
Taxable
Paid net
£500 £1 million
per person, per Issue
Off sale
If your clients want a monthly return on their money, we can give them just what they need, from the certainty of a guaranteed income as part of their retirement planning, to income at a variable interest rate.
Product name Rate Tax Min Max Status
Income Bonds 1.25% gross /
1.26% AER
variable
Taxable
Paid gross
£500 £1 million sole
£2 million joint
On sale
Guaranteed Income Bonds Rate not applicable
Taxable
Paid net
£500 £1 million
per person, per Issue
Off sale
In addition to the tax-free Direct ISA, NS&I offers two other straightforward savings accounts.
Product name Rate Tax Min Max Status
Investment Account 0.75%
gross/AER
variable
Taxable
Paid gross
£20 £1 million sole
£2 million joint
On sale
Direct Saver 1.10%
gross/AER
variable
Taxable
Paid gross
£1 £2 million sole
£4 million joint
On sale

Quick guide

Our Quick Guide for financial advisers shows you at-a-glance key features, benefits and interest rates for each of our products. Download and print it here.

Products no longer on sale

Does your client hold an NS&I product which is no longer on sale? Find out information about our closed accounts and investments.