National Savings & Investments 5 Year Fixed Interest Savings Certs Issue 93 Yr 4
Compare the National Savings & Investments 5 Year Fixed Interest Savings Certs Issue 93 Yr 4 with the UK's best savings, including savings details, application criteria, introductory rates, rates, managing account and fees & charges.
 |  Compare National Savings & Investments 5 Year Fixed Interest Savings Certs Issue 93 Yr 4 details directly with other savings or compare savings using our savings comparison tables. | ||
| Company: | National Savings & Investments www.nsandi.com | ||
| Product: | 5 Year Fixed Interest Savings Certs Issue 93 Yr 4 | ||
| Apply via this site: | Not available | ||
| Savings Details | |||
 Account Type: | Term | ||
| Rate Type: | The type of interest rate is fixed. | ||
| Headline Interest Rate: | The headline interest rate is 2.95% AER. | ||
| Application Criteria | |||
| Existing Customer Only: | No | ||
| Minimum Age: | The minimum age is 7 years. | ||
| Area Restrictions: | There are no area restrictions | ||
| Minimum Investment: | The minimum investment required to open this account is £100. | ||
| Maximum Investment: | The maximum investment allowed on this account is £15000. | ||
| Minimum Balance: | The minimum balance is £1. | ||
| Open to UK Residents: | This product is available to UK residents. | ||
| Introductory Rates | |||
| Introductory Bonus: | No introductory bonus payable. | ||
| Incentives Offered: | There are no free gifts or incentives offered with this account | ||
| Rates | |||
| Tax Free: | This account is tax free. | ||
| Open-ended Bonus: | No open-ended bonus payable. | ||
| Rate Tiers: | Gross Rate Gross Rate AER Excluding Bonus Including Bonus £100 3.15% 3.15% 2.95% | ||
| Fixed Term: | This account has a fixed term of 5 years | ||
| Fixed Term in Months: | The fixed term of this account is 60 months | ||
| Fixed Interest Rate: | The interest rate is fixed. | ||
| Fixed Rate Period: | The interest rate is fixed for 5 years | ||
| Term Period: | The account term is 60 months. | ||
| Interest Payment Freq: | Interest is paid on maturity. | ||
| Managing Account | |||
| Passbook: | A passbook is not provided | ||
| Transactions at Branch: | Transactions cannot be made at a branch. | ||
| Statement Frequency: | Statements are not issued. | ||
| Transactions by Phone: | Transactions cannot be made by telephone. | ||
| Transactions by Internet: | Transactions cannot be made via the internet. | ||
| Transactions by Post: | Transactions can be made by post. | ||
| Special Access: | Withdrawal or early closure subject to lower overall rate of return (or none if within year 1). Interest earned each completed quarter. | ||
| Withdrawal Conditions: | Withdrawal Conditions The investor can cash in all or part of their Certificate at any time but will earn a lower overall rate of return (or none if in the first year) if cashed in before the end of the term (5th anniversary). Interest is earned for each completed period of three months. Any interest when cashing in early will still be tax free. | ||
| Closure Before Maturity: | Closure of this account is permitted before maturity. The investor can cash in all or part of their Certificate at any time before the fifth anniversary, but will earn a lower rate of interest (or none if in the first year). Interest is earned for each completed period of three months. Any interest when cashing in early will still be tax free. | ||
| Transferred on Maturity: | After Certificates mature they earn interest at the variable 'General Extension Rate'. National Savings will also tell the investor what rates are on offer for the Issues on sale at the time. The investor can choose to: - reinvest in any Issues on sale at the time, or - leave the Certificate to earn interest at the General Extension Rate, or - cash it in. | ||
| Fees & Charges | |||
| Withdrawal Notice: | There is no notice period required for withdrawals. | ||
| Withdrawal Penalty: | There is no interest penalty applied when a withdrawal is made | ||
| Withdrawal Charge: | The investor can cash in all or part of their Certificate at any time but will earn a lower overall rate of return (or none if in the first year) if cashed in before the end of the term (5th anniversary). Interest is earned for each completed period of three months. Any interest when cashing in early will still be tax free. | ||
| W/d Notice/Penalty/Charge: | The investor can cash in all or part of their Certificate at any time but will earn a lower overall rate of return (or none if in the first year) if cashed in before the end of the term (5th anniversary). Interest is earned for each completed period of three months. Any interest when cashing in early will still be tax free. | ||
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| Products: | www.nationalsavings.co.uk Savings | ||
