NS&I has reported that new Issues of its 1, 2, 3 and 5-year British Savings Bonds (Guaranteed Growth, and Income) have gone on sale today with an increased interest rate for both new and maturing customers.
British Savings Bonds are fixed-term Issues of NS&I’s Guaranteed Growth Bonds and Guaranteed Income Bonds.
The new interest rate on the 1-year Growth option is 4.20% gross/AER, and the Income option is 4.13% gross/4.20% AER.
The new interest rate on the 2-year Growth option is 4.10% gross/AER, and the Income option is 4.03% gross/4.10% AER.
The new interest rate on the 3-year Growth option is 4.16% gross/AER, and the Income option is 4.09% gross/4.16% AER.
The new interest rate on the 5-year Growth option is 4.15% gross/AER, and the Income option is 4.08% gross/4.15% AER.
Andrew Westhead, NS&I Retail Director, said: “I’m pleased that we can offer increased interest rates on these fixed-term products, giving savers who want guaranteed returns a choice in how they invest, while continuing to benefit from the security of the 100% government guarantee. Today’s changes ensure we continue to balance the interests of savers, taxpayers and the broader financial services sector.”
Guaranteed Growth Bonds and Guaranteed Income Bonds are available to customers wanting a guaranteed rate for a fixed-term of 1, 2, 3 or 5 years. Funds cannot be withdrawn early with fixed-term accounts. Savers will need a minimum investment of £500 and can invest a maximum of £1 million per person in each Issue. After the fixed-term period, savers will have the choice to withdraw their cash or reinvest into a new term.
| Product | Previous interest rate (from 2 September 2025) | New interest rate from 7 November 2025 (on general sale) |
| Guaranteed Growth Bonds 1-year (Issue 87) | 4.04% gross/AER | 4.20% gross/AER |
| Guaranteed Income Bonds 1-year (Issue 87) | 3.97% gross/4.04% AER | 4.13% gross/4.20% AER |
| Product | Previous interest rate (from 3 July 2025) | New interest rate from 7 November 2025 (on general sale) |
| Guaranteed Growth Bonds 2-year (Issue 75) | 3.85% gross/AER | 4.10% gross/AER |
| Guaranteed Income Bonds 2-year (Issue 75) | 3.79% gross/3.85% AER | 4.03% gross/4.10% AER |
| Guaranteed Growth Bonds 3-year (Issue 77) | 3.88% gross/AER | 4.16% gross/AER |
| Guaranteed Income Bonds 3-year (Issue 77) | 3.82% gross/3.88% AER | 4.09% gross/4.16% AER |
| Guaranteed Growth Bonds 5-year (Issue 69) | 3.84% gross/AER | 4.15% gross/AER |
| Guaranteed Income Bonds 5-year (Issue 69) | 3.78% gross/3.84% AER | 4.08% gross/4.15% AER |
Existing customers who have already received their 30-day maturity letter will have the new increased interest rate for Bonds maturing from today.
