NS&I Income Bond

Full product details for the NS&I Income Bond savings account, including application criteria, introductory rates, rates, isas, children's savings, over 50s isas, account access, account management, fees & charges, business accounts, structured investment plan and peer to peer saving.
from 55 ratings
55 customers rated their NS&I savings as 4 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
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NS&I Income Bond Features & Benefits

Account TypeEasy Access 
Minimum Initial Deposit500500
Rate Typevariable 
Headline Interest Rate1.26%1.26.
Headline Interest Balance500500.00.
Maximum Number of WithdrawalsUnlimitedUl
Online Accessno 
Branch Accessno 
Phone Accessno 
Introductory Bonus0%No introductory bonus payable.
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Love the new lay out, quick and easy to use. The deals are great thank for hunting the down for us. Keep up the great work.
Kimberley Y.

Reviews related to NS&I Savings

by comper1, 23 Feb 2012
NS&I Savings
Better rate of return than standard instant access savings accounts
Level of return not guaranteed
Recommended by comper1

I have found Premium Bonds a simple way to save using a ?50 per month standing order initially and now ?100 per month.
I have instant access to my money and have won several prizes of ?25 over the last 18months that has given me a better return than I could have gained via a standard savings account.
All my 'winnings' are automatically re-invested.

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


NS&I Savings
Possibility of winning a million or numerous smaller prizes
Possibility of winning zilch
Recommended by aleslie1

OK so you don't get a regular interest payment but you do get a little excitement each month.

When I had the maximum amount if bonds I was winning pretty much every month. It worked out to about 12% interest. Now there is less in there I haven't received anything for months, but then I guess that is the luck of the draw.

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


by geoffh74, 20 Jul 2013
NS&I Savings
Intersst rate is not reliant on a bonus to be competitive.
Cannot pop into a branch to deal with it.
Recommended by geoffh74

Easy to use, rates don't suddenly fall when bonus period ends, but they are just about to be significantly reduced at the beginning of Serptember.

Customer Service:
Average, could be better
Flexibility & Fairness:
Average, could be better
Product Features:
Average, could be better
Value For Money:
Average, could be better