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Comparison

NS&I (National Savings and Investments) vs Cash ISAs

Pick NS&I (National Savings and Investments) when

  • Safety-first UK savers
  • Premium Bonds players wanting tax-free prize draws
  • Holding sums above the £85k bank deposit-insurance cap
  • Children's and long-term savings

When NS&I (National Savings and Investments) is not a fit

  • Rate chasers . you will beat these rates elsewhere
  • Non-UK residents . eligibility is limited
  • Anyone needing fast, responsive customer service
  • Investors seeking stock-market growth

Sources

  1. National Savings and Investments . GOV.UKgov.uk
    official
  2. NS&I homepage . 100% Secure Savingnsandi.com
    official
  3. NS&I Trustpilot reviewsuk.trustpilot.com
    review
  4. Considering NS&I - Terrible Reviews (Reddit)reddit.com
    review
  5. NS+I delays (MoneySavingExpert forum)forums.moneysavingexpert.com
    review
  6. NS&I to cut Premium Bonds prize fund rate to 4.4%moneyweek.com
    news
  7. NS&I slashes rates on Premium Bonds and two other accountsexpress.co.uk
    news
  8. NS&I says 'sorry' after Premium Bonds customers left frustratedbirminghammail.co.uk
    news
  9. Premium Bonds holders issued NS&I 'call us' warningexaminerlive.co.uk
    news
  10. Three-year green savings bonds launched by NS&Iindependent.co.uk
    news
  11. How far do NS&I lag behind Bank of England interest rates? (Reddit)reddit.com
    review
  12. nsandi.comnsandi.com
    review