National Savings and Investment products

National Savings and Investments (NS&I) offers a wide range of savings and investment products that are backed by HM Treasury.

National Savings and Investments (NS&I)

National Savings and Investments (NS&I) is an executive agency of the Chancellor of the Exchequer. The money invested in NS&I products is used by HM Treasury to cost-effectively manage the national debt by contributing to the government’s financing needs.

Income Bonds

Income Bonds offer a type of investment that pays interest regularly to the holder. You can invest from £500 up to £1million per person in total, across all your Income Bonds accounts. And, you can get your money back whenever you want, with no notice and no penalties.

Interest is paid monthly straight into your bank or building society account. Interest rates are variable.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

Premium Bonds

Anyone aged 16 or over can buy Premium Bonds. Parents, legal guardians and (great) grandparents can invest on behalf of their child or grandchild aged under 16.

You can invest from £25 up to £50,000 in total.

Premium Bonds don’t pay any interest. Instead your Bonds enter a monthly prize draw for a chance to win tax-free prizes. 

Premium Bonds - the prize draw

More than two million prizes are paid out every month to lucky Bond holders whose numbers are generated completely at random. 

You get a unique Bond number for every £1 you invest. Every number has a separate and equal chance each month of winning a prize. 

Prizes range from £25 to £1 million and are all tax-free.

You can find out more, apply online, or if you have Premium Bonds find out if you've won at the National Savings and Investment (NS&I) website.

Direct Saver

Direct Saver offers you the convenience of managing your account online and by phone. You can pay in or take out money whenever you want, with no notice and no penalties.

Anyone aged 16 or over can open an account, either individually or jointly with someone else.

You can save from £1 up to £2 million per person.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

Direct ISA

Direct ISA offers you a straightforward and secure way to save tax-free and manage your account online and by phone.

Anyone aged 16 or over who is resident in the UK for tax purposes can open an account. Save from just £1 up to £20,000 in the 2019/20 tax year.

We only offer a cash ISA, not a stocks and shares ISA or innovative finance ISA.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

Junior ISA

A Junior ISA is suitable for anyone who wants to make a long-term, tax-free investment for a child’s future.

Parents, legal guardians and (great) grandparents can invest on behalf of their child or grandchild aged under 16.

Invest from £1 up to £4,368 (Taxyear 2019/20) per Issue for each child.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

Investment Accounts

Anyone aged 16 or over can open an Investment Account, either by yourself or jointly with someone else.

You can have more than one account. You can save from £20 up to £1 million per person in total, across all your Investment Accounts.

You can also invest in trust on behalf of someone else (called the ‘beneficiary’). Trustees need to use a different application form.

Only a parent, guardian, grandparent or great-grandparent will be able to open an account and make deposits for a child.

Until the child’s 16th birthday the parent or guardian nominated on the application looks after the account and we’ll send all correspondence to them.

You can find out more on the National Savings and Investment (NS&I) website.

Index-linked Savings Certificates

When you invest in an Index-linked Savings Certificate you agree to keep it until the end of the term. National Savings and Investment will write to you around 30 days before that date to let you know your options.

If you have a certificate maturing soon, find out more from the NS&I website.

 

 

 

 

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