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NS&I rates: up to 5.17% AER

government · www.nsandi.com

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ProductTerm / tierRateBasisRecordedHistoryChange
Direct Saver£1–£2m 3.75%AER2026-11-01 since 2026-11-01
Direct Saverfrom £1 3.75%AER2026-11-01 since 2026-11-01
Income Bondsfrom £500 3.75%AER2026-11-01 since 2026-11-01
Investment Accountfrom £20 2.05%AER2026-11-01 since 2026-11-01

Fixed rate bonds

ProductTerm / tierRateBasisRecordedHistoryChange
Guaranteed Growth BondsIssue 93 · 1 year · from £500 · fixed 4.99%AER2026-11-01 since 2026-11-01
Guaranteed Income BondsIssue 93 · 1 year · from £500 · fixed 4.99%AER2026-11-01 since 2026-11-01
Guaranteed Growth BondsIssue 81 · 2 years · from £500 · fixed 5.07%AER2026-11-01 since 2026-11-01
Guaranteed Income BondsIssue 81 · 2 years · from £500 · fixed 5.07%AER2026-11-01 since 2026-11-01
Green Savings BondsIssue 10 · 3 years · from £100 · fixed 4.73%rate2026-11-01 since 2026-11-01
Guaranteed Growth BondsIssue 83 · 3 years · from £500 · fixed 5.10%AER2026-11-01 since 2026-11-01
Guaranteed Income BondsIssue 83 · 3 years · from £500 · fixed 5.10%AER2026-11-01 since 2026-11-01
Guaranteed Growth BondsIssue 75 · 5 years · from £500 · fixed 5.17%AER2026-11-01 since 2026-11-01
Guaranteed Income BondsIssue 75 · 5 years · from £500 · fixed 5.17%AER2026-11-01 since 2026-11-01

Cash ISAs

ProductTerm / tierRateBasisRecordedHistoryChange
Direct ISAfrom £1 3.80%AER2026-11-01 since 2026-11-01
Junior ISAfrom £1 3.70%AER2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.nsandi.com/products/direct-saver2026-11-01 12:12 UTC okea727d210376
www.nsandi.com/interest-rates2026-11-01 12:12 UTC ok586d76f47a4b