NS&I 5 Year Index-linked Savings Cert Issue 48

Full product details for the NS&I 5 Year Index-linked Savings Cert Issue 48, including application criteria, introductory rates, rates, isas, children's savings, over 50s isas, account access, account management, fees & charges, business accounts and structured investment plan.
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NS&I 5 Year Index-linked Savings Cert Issue 48 Features & Benefits

Account TypeFixed Bond 
Account Term5 yearsThe account term is 60 months.
Rate TyperpiThe type of interest rate is rpi.
Headline Interest Rate0.5%The headline interest rate is 0.50% AER.
Headline Interest Balance£100£100.00
Online AccessnoTransactions cannot be made via the internet.
Branch AccessnoTransactions cannot be made at a branch.
Phone AccessnoTransactions cannot be made by telephone.
Withdrawal Restrictionscharge onlyIf the a withdrawal is made before the first anniversary of the account being opened no interest will be paid. Thereafter any withdrawals will result in a lower overall rate of interest being paid. Index-linking and interest will only be paid for each complete month (i.e. months where a withdrawal is not made.)
Introductory Bonus0%No introductory bonus payable.
Interest Rate Guaranteestracks rpiThe interest rate on this account tracks the Retail Price Index with a fixed loading as follows: Year 1 - RPI + 0.25% Year 2 - RPI + 0.35% Year 3 - RPI + 0.40% Year 4 - RPI + 0.65% Year 5 - RPI + 0.86% Where RPI falls beneath zero the AER will always be 0.50%.
Withdrawal Notice0 daysThere is no notice period required for withdrawals.
Minimum Initial Investment£100The minimum investment required to open this account is £100.
Closure Before MaturityyesClosure terms are the same as withdrawal terms.
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