NS&I savings rates
What NS&I pays on savings, next to the highest rate we checked for the same kind of account.
Last checked
Easy access
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Direct Saver | No limit on withdrawals. The interest is taxable. | Checked | nsandi.com | 3.75% |
| Income Bonds | Interest is paid monthly to your bank account and is taxable. Minimum £500. | Checked | nsandi.com | 3.75% |
Fixed rate, 1 year
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Guaranteed Growth Bond 1 Year (Issue 93) | No access for a year, apart from a 30-day right to cancel. All the interest is taxed in the year it ends, minimum £500. | Checked | nsandi.com | 4.99% |
| Guaranteed Income Bond 1 Year (Issue 93) | No access for a year, minimum £500. Income is paid monthly to your bank and taxed in the year you receive it. | Checked | nsandi.com | 4.99% |
Fixed rate, 2 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Guaranteed Growth Bond 2 Year (Issue 81) | No access for 2 years, minimum £500. Interest is added each year but taxed in the year it ends. | Checked | nsandi.com | 5.07% |
| Guaranteed Income Bond 2 Year (Issue 81) | No access for 2 years, minimum £500. | Checked | nsandi.com | 5.07% |
Fixed rate, 3 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Guaranteed Growth Bond 3 Year (Issue 83) | No access for 3 years, minimum £500. Interest is taxed in the year it ends. | Checked | nsandi.com | 5.10% |
| Guaranteed Income Bond 3 Year (Issue 83) | No access for 3 years, minimum £500. | Checked | nsandi.com | 5.10% |
Fixed rate, 5 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Guaranteed Growth Bond 5 Year (Issue 75) | No access for 5 years, minimum £500. Interest is taxed in the year it ends. | Checked | nsandi.com | 5.17% |
| Guaranteed Income Bond 5 Year (Issue 75) | No access for 5 years, minimum £500. | Checked | nsandi.com | 5.17% |
Cash ISA, easy access
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Direct ISA | Doesn't accept transfers from other ISAs, and it isn't flexible. | Checked | nsandi.com | 3.80% |
Every account we check
How these rates are checked
Every rate comes from the page linked beside it, and we read those pages each day. A rate we can’t confirm is left off, and so is one we haven’t confirmed in the last 14 days.
The order is by rate and nothing else. Accounts that pay the same rate are listed by name.