Finance Fact Library

NS&I Savings Rates

The current interest rates on NS&I's savings accounts and British Savings Bonds. NS&I is backed by HM Treasury, so your savings are protected in full.

Direct Saver

3.75%

Variable rate before tax, with interest added once a year. You can open it with £1 or more.

NS&I · since 18 Aug 2026 · checked 10 Nov 2026

Income Bonds (AER)

3.75%

Variable. Interest is paid monthly at 3.69% gross. You can open it with £500 or more.

NS&I · since 18 Aug 2026 · checked 10 Nov 2026

Direct ISA

3.8%

Variable tax-free rate. You can open it with £1 or more.

NS&I · since 14 May 2026 · checked 10 Nov 2026

Junior ISA

3.7%

Variable tax-free rate for a child's savings. You can open it with £1 or more.

NS&I · since 14 May 2026 · checked 10 Nov 2026

British Savings Bond, 1-year fixed

4.99%

Guaranteed Growth Bonds Issue 93, AER. The rate is fixed for the term and the interest is taxable. You can open it with £500 or more.

NS&I · checked 10 Nov 2026

British Savings Bond, 2-year fixed

5.07%

Guaranteed Growth Bonds Issue 81, AER. The rate is fixed for the term and the interest is taxable. You can open it with £500 or more.

NS&I · checked 10 Nov 2026

British Savings Bond, 3-year fixed

5.1%

Guaranteed Growth Bonds Issue 83, AER. The rate is fixed for the term and the interest is taxable. You can open it with £500 or more.

NS&I · checked 10 Nov 2026

British Savings Bond, 5-year fixed

5.17%

Guaranteed Growth Bonds Issue 75, AER. The rate is fixed for the term and the interest is taxable. You can open it with £500 or more.

NS&I · checked 10 Nov 2026

Green Savings Bonds, 3-year fixed

4.73%

Issue 9. The rate is fixed for 3 years and the interest is taxable. You can open it with £100 or more.

NS&I · checked 10 Nov 2026

Annual prize fund rate

4.35%

Premium Bonds pay prizes rather than interest. This is the average rate across all prizes, and prizes are tax-free.

NS&I · since 1 Sep 2026 · checked 10 Nov 2026

More on Premium Bonds Prize Rate and Odds →

What's changed