Banks and building societies A to Z
NS&I savings rates
13 accounts listed. The highest rate is 5.17% AER on the Guaranteed Growth Bonds, 5-year (Issue 75) (fixed for 5 years).
NS&I savings are 100% backed by HM Treasury, with no limit. The FSCS does not apply.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Direct ISAISABeats inflation | 3.80% | Easy access | £1 |
| Direct SaverBeats inflation | 3.75% | Easy access | £1 |
| Income BondsBeats inflation | 3.75% | Easy access | £500 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| Guaranteed Growth Bonds, 5-year (Issue 75)Beats inflation | 5.17% | Fixed for 5 years | £500 |
| Guaranteed Income Bonds, 5-year (Issue 75)Beats inflation | 5.17% | Fixed for 5 years | £500 |
| Guaranteed Growth Bonds, 3-year (Issue 83)Beats inflation | 5.10% | Fixed for 3 years | £500 |
| Guaranteed Income Bonds, 3-year (Issue 83)Beats inflation | 5.10% | Fixed for 3 years | £500 |
| Guaranteed Growth Bonds, 2-year (Issue 81)Beats inflation | 5.07% | Fixed for 2 years | £500 |
| Guaranteed Income Bonds, 2-year (Issue 81)Beats inflation | 5.07% | Fixed for 2 years | £500 |
| Guaranteed Growth Bonds, 1-year (Issue 93)Beats inflation | 4.99% | Fixed for 1 year | £500 |
| Guaranteed Income Bonds, 1-year (Issue 93)Beats inflation | 4.99% | Fixed for 1 year | £500 |
| Green Savings Bonds (Issue 10)Beats inflation | 4.73% | Fixed for 3 years | £100 |
Junior ISA
| Account | AER | Access | Min to open |
|---|---|---|---|
| Junior ISAISABeats inflation | 3.70% | Locked until 18 | £1 |
Compare NS&I with every other bank
Who holds the money
- Held by
- NS&I (National Savings and Investments)
- Status
- UK government: an executive agency and non-ministerial department, accountable to HM Treasury
- Regulated
- Not by the PRA or FCA: NS&I is part of government, accountable to HM Treasury
- Protection and disputes
- HM Treasury backing (100% of the money, with no limit) and Financial Ombudsman Service
- Capital
- Not applicable: savings are backed by HM Treasury, not by NS&I's own capital
- Website
- nsandi.com. Every "Go to bank" link we show for NS&I leads only to this domain.
This page lists every NS&I account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.