Fixed-Rate Savings
British Savings Bonds
NS&I — product information, costs, suitability and important checks.
Is this account right for you?
Compare the main benefit with the trade-offs before you apply. Product terms can change, so verify the latest details with the provider.
Savers valuing HM Treasury backing
New investments normally cannot be cashed in before maturity after the 30-day cancellation period
Overview and who it may suit
British Savings Bonds are issues of NS&I Guaranteed Growth Bonds and Guaranteed Income Bonds. Choose growth at maturity or monthly income, with an investment from £500 to £1 million per person in each issue. New investments must normally be held until the chosen term ends, with a 30-day cancellation period. Check the current issues, rates and full terms before investing.
Savers valuing HM Treasury backing
✓ Potential advantages
- All money saved is backed by HM Treasury
- Choice of growth at maturity or monthly income
! Limitations to consider
- New investments normally cannot be cashed in before maturity after the 30-day cancellation period
- Minimum investment of £500; availability and terms depend on the issue
Fees, rates and product terms
These are informational descriptions, not live prices or guaranteed offers. Check the product's full terms and representative examples.
Regulation, protection and customer support
NS&I is backed by HM Treasury, which guarantees 100% of money saved with NS&I. This government backing is distinct from the FSCS deposit-protection limit that applies to banks and building societies.
Regulation or compensation coverage has not been independently verified for this listing. Customer-service channels, complaints procedures and accessibility features should be checked on the provider's official website.
Your provider decision checklist
Use this checklist to review the important details. Your selections are for this visit only.
This checklist is not an assessment of product suitability or an application.
NS&I FAQs
What should I check before choosing NS&I?
Compare the latest product terms, fees, eligibility rules, access conditions and relevant protections. Check the official provider information before applying.
Are the rates and fees shown here guaranteed?
No. Product terms and promotional rates can change. This page does not provide a live quote; confirm current details directly with the provider.
How do I check whether NS&I is regulated?
Use the FCA Firm Checker to confirm the legal entity, permissions and any relevant warnings. Regulation and FSCS protection depend on the specific product and institution.
Who might this product be suitable for?
Review the Best for summary, eligibility conditions, charges and limitations. Whether it is suitable depends on your own needs and circumstances.
How can I compare alternatives?
Use the related provider links below and the parent comparison page to review other products in the same category.
How do AER and withdrawal rules affect savings?
AER shows annual interest with compounding. Check whether the rate is fixed, variable or introductory, minimum deposits, withdrawal penalties and FSCS eligibility.
How should I transfer an existing ISA?
Ask the new provider to arrange an ISA transfer. Withdrawing the money yourself may affect its tax-free status or use up allowance. Check current ISA rules.
Other providers to explore
Editorial information only, not personalised financial advice or a live comparison quote. Provider terms may change. We have not independently verified the current rates, regulatory status or product availability shown here. Always check official provider information before applying.
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