Excellent4

64% of customers recommended from 83 ratings

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.

Compare National Savings & Investments Savings

NS&I Children's Bonds (Issue 35)
Account Type
Fixed Bond
Open With
£25.00
Interest Rate (AER)
2.5% fixed
for 5 years
on £25+
Protection Scheme
HM Treasury
Open Account
Online, Phone & Post
NS&I Direct ISA
Account Type
Cash ISA
Open With
£1.00
Interest Rate (AER)
1.5% variable
on £1+
Protection Scheme
HM Treasury
Open Account
Online & Phone
NS&I Income Bond
Account Type
Easy Access
Open With
£500.00
Interest Rate (AER)
1.26% variable
on £500+
Protection Scheme
HM Treasury
Open Account
Online, Phone & Post
NS&I Direct Saver
Account Type
Easy Access
Open With
£1.00
Interest Rate (AER)
1.1% variable
on £1+
Protection Scheme
HM Treasury
Open Account
Online & Phone
NS&I Investment Account
Account Type
Easy Access
Open With
£20.00
Interest Rate (AER)
0.75% variable
on £20+
Protection Scheme
HM Treasury
Open Account
Post

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National Savings & Investments Savings Reviews

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NSI Premium bonds

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by jamesh76

The saving process is easy and straightforward and takes deposits from any current account and the online experience is good. The interest rate is not the best but deposits are guaranteed by the Government to be safe. With premium bonds there is also always the chance to win big with £1 million the maximum win. I was recommended to use Premium Bonds as an easy to access savings account by family and friends.

by jamesh76, 3 weeks ago report review

Good savings provider

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

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.

Government backed

can be low interest rates from time to time

by carlsa, 4 weeks ago report review

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

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

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.

Easy access to cash online or by phone.

by simons720, 1 month ago report review

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

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

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.

by JulieAAA, 1 month ago report review

Premium bonds are ok

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

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

by steve051264, 2 months ago report review

NSI fixed term savings

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by johnap17

I have two fixed term saving accounts with the NSI and both are due for renewal in 2016. I took these investments as they pay 0.5% above the rate of inflation and are guaranteed by Her Majesty's Government so no fear of losing out. However applications are now closed so you need to keep a lookout for when they announce a new offer as they tend to be open for only a short period; this is when they have reached their target figure- so be prepared to move quickly. They are worth investing in as your money is guaranteed, can be withdrawn albeit with penalties and customer service is better than most government departments. All in all a good savings rate which beats inflation and is guaranteed to do so!

Garuentted savings

by johnap17, 1 week ago report review

Excellent Savings Provider

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

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!

100% money back guarantee.

None for me.

by zuludawn29, 4 weeks ago report review

Premium bonds a great way to save

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by Robstef

Always for the past 10 years had premium bonds and would highly recommend them to anyone,if you want to pull them out you can get your money back within the week and the excitement each month is great when you are checking to se if you have won,we regularly win 50 pounds most months and have it reinvested as what you don't have you don't miss,I also save by direct debit £100 pounds a month and that soon adds up another great way of saving

by Robstef, 1 week ago report review

NS&I Index linked bond

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

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

hopefuuly above avg interest

no communication

by helengr1, 2 months ago report review

NS&I Premium Bonds

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by nemble

Easy to invest and withdraw funds and you always have a good chance of winning each month with no risk to your cash.

by nemble, 3 Jul 2013 report review

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