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NS&I: Income Bonds reviews

Name: Income Bonds
Rating: 2.69 (26 reviews)

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2.64

Based on 26 reviews, last reviewed 23rd Jan 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

19%

23%

12%

2 star

46%

Latest highest rating:

4

satisfactory Quite easy to open an account - shame that the rates have decreased Reviewed on: 23rd January 2026

Latest lowest rating:

1

What a terrible investment! What a terrible investment! We started a large investment with NS&I as income stream but the interest rate has declined far below (and faster), than a... Read more Reviewed on: 10th July 2025

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About this product

NS&I bond reviews are honest reviews written by people like you. While many people look at the interest rates on offer, what about the NS&I's customer service? Smart Money People is fast becoming the UK's leading source of independent NS&I bond reviews. We need your help! By writing your honest reviews, you can help increase trust and transparency in the financial world.

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NS&I Income Bonds reviews (26)

satisfactory

Quite easy to open an account - shame that the rates have decreased Reviewed on: 23rd January 2026

Very clear process and good security

Very clear process and good security Reviewed on: 15th September 2025

What a terrible investment!

What a terrible investment! We started a large investment with NS&I as income stream but the interest rate has declined far below (and faster), than any other investment houses! The main compliant though is they are taking up to seven working days to pay interest on monthly interest now regularly! It is never next day like others and if you hit a weekend forget it, nothing happens for another three days! What a government run travesty, how do they expect people to support it. Don't waste your time and money go elsewhere. Reviewed on: 10th July 2025

Preferable to a Savings Account.

I wanted another option other than a savings account. I was looking for a fixed term and guaranteed interest rate. The terms offered for one year and a good rate of interest Growth Bond was perfect when I opened the account. Reviewed on: 24th February 2024

Safe and sometimes market leading!

I happened to snag some Guaranteed Income Bonds at their peak interest rate which was excellent although not typical of NS&I's offerings as they are usually not chart-topping and it's worth remembering that unlike Premium Bonds Guaranteed Income Bonds are taxable for interest. Although NS&I is guaranteed by the treasury so people can rest easy on the security of their money. Reviewed on: 27th January 2024

Easy to use, tax free.

Easy to use, tax free. No hassle. Reviewed on: 26th January 2024

Safety first

Safe investment with competative rates Reviewed on: 26th January 2024

Reliable and easy to deal with over many years.

Reliable and easy to deal with over many years. Reviewed on: 26th January 2024

I win prizes and it’s a great way to save.

I win prizes and it’s a great way to save. Reviewed on: 15th January 2024

Can't recommend - Worst Customer Service process.

It is now nearly two months since I asked them to resolve a problem with my account and many. many emails and phone calls later. I have had zero response except for emails failing to address the original query and thereafter 'holding emails' telling me my mail has been passed to customer services. They are either completely overloaded or are unable to work their systems efficiently. Reviewed on: 26th September 2023

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