from 77 ratings
77 customers rated their National Savings & Investments savings as 4.1 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
NS&I (National Savings & Investments) offer a wide range of savings and investment products for UK residents. They offer easy access accounts that can be operated by post and online, fixed rate bonds that can pay a regular income and ISAs that offer tax efficient savings. You can also invest in premium bonds and kid's accounts, where you can save for your child's future.
NS&I Children's Bonds (Issue 35)
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£25.002.5% fixed
for 5 years
on £25+
HM TreasuryOnline, Phone & Post
NS&I Direct ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£1.001.5% variable
on £1+
HM TreasuryOnline & Phone
NS&I Income Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Easy Access£500.001.26% variable
on £500+
HM TreasuryOnline, Phone & Post
NS&I Direct Saver
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Easy Access£1.001.1% variable
on £1+
HM TreasuryOnline & Phone
NS&I Investment Account
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Easy Access£20.000.75% variable
on £20+
HM TreasuryPost

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National Savings & Investments Savings Reviews

N S and I savings online.

by instinct, 1 day ago
Reputable and I think backed up by govt,
Not best rates but not worst.
Recommended by instinct

Found NSI Isa online reasonable at the time I opened it for regular savings. Rates weren't brilliant but better than the isa I had had with Santander although things can change. Iliked being able to distance some savings away from my regular bank so I could save regularly and forget for a while. Good that they are backed up financially against problems. Eventually managed to rig up a regular standing order into it, and could transfer money online into my own current account if I needed it.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Average, could be better
Value For Money:
Average, could be better


Good savings provider

by carlsa, 3 days ago
Government backed
can be low interest rates from time to time
Recommended by carlsa

Excellent provider of various products and has the backing of the UK Government. The ISAs and Premium Bonds products are really useful, especially for a higher rate taxpayer.

Whenever I have needed to buy, sell or change anything its been carried out swiftly and accurately with no fuss.

Looking forward to seeing details about their proposed products for pensioners.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


In reach 24/7 and good if you can spare some cash

by simons720, 2 weeks ago
Easy access to cash online or by phone.
Recommended by simons720

I have a variety of savings with NS & I - premium bonds and a 5 year bond. Interest rates are so low at the moment thought I'd put some savings in bonds and I win something (mostly £25) virtually every month. You can ring - the staff are always great - or you can do online. Money is easily accessible if you need to draw out for anything else.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


happy with the service given

by rhyanb, 2 weeks ago
Recommended by rhyanb

happy person with service provided :-) xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Premium Bonds savings account

by jennifereccles, 2 weeks ago
Recommended by jennifereccles

I have owned premium bonds for several years now and it's been a great investment for me. There are several benefits to them - With interest rates so low at the moment, even if you only win a small amount it is very likely to be more than you'd earn in interest in an instant access standard Building Society savings account. I like the chance of winning a prize each month and I've won several times so I'm very happy with the return on my original investment. I'd recomment premium bonds to anyone who likes the chance of winning and paying no tax on the prize too. You can withdraw your money any time with no penalty.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


NS&I is Safe, Reliable and Gives Good Customer Service

by JulieAAA, 4 weeks ago
Recommended by JulieAAA

I have held several NS&I products for both myself and my family for a number of years. Their website is extremely helpful, and I conduct all my transactions over the internet now, with the service being fairly quick. I know a lot of people knock the effective interest rate on Premium Bonds, but they're safe and there's always the chance of winning a major prize. The Children's Bonus Bonds we've held since my children were small have earned a good rate of interest.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Good, I'm happy


Premium bonds are ok

by steve051264, 1 month ago

I had quite a lot of premium bonds and over many years the prizes won averaged out about the same as a mediocre savings account but with the remote chance of winning a decent amount of money. That was fine until all the prizes got cur in half and even the smal amounts came up very rarely. I have now cashed in half of them, a couple of years back, and have had no rwturn whatsoever on the other half.
I suppose you could argue its like a lottery ticket but you keep the stake but dont seriously expect to get anything more than that as it appears that even a small win is now unlikely even if you have quite a few thousand pounds worth

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Average, could be better


NS&I Index linked bond

by helengr1, 1 month ago
hopefuuly above avg interest
no communication
Recommended by helengr1

I have a bond with NS&I. I have marked them down in my rating as they are very poor at communicating with me about my account. The bond has been sitting there for a couple of years but I have had no correspondence whatsoever from them about how much interest rate is being applied as it is index linked it is variable year to year

Customer Service:
Average, could be better
Flexibility & Fairness:
Average, could be better
Product Features:
Average, could be better
Value For Money:
Good, I'm happy


Excellent Savings Provider

by zuludawn29, 3 days ago
100% money back guarantee.
None for me.
Recommended by zuludawn29

Government backed savings provider which is a plus in the event of failure of the bank....100% money back guarantee. One of the better yearly interest rates for a cash ISA....nothing special but superior than most! Easy to use account once logged on. Depositing and withdrawal of money simple and straightforward and is linked to my current account so any withdrawal is deposited in my account after 2 days. Recommended!

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


National Savings Investment Account

by lcser, 3 Jul 2013
Safe and secure
Behind the times in accessibility
Recommended by lcser

Good old product which has now been changed, and if you want to have a "modern" service - i.e. not tied to administering your accout via snail-mail and the post office, they forced a move to a web-based savings account. The move could have benn handled better, as they lost my passbook and took 1 year to sort out, but overall, nothing's really changed. Still a safe place to keep your money!

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Average, could be better
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Savings Account Companies