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NS&I: Income Bonds reviews

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2.42
Based on 24 reviews, last reviewed 10th Jul 2025
No new 5 star reviews
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49%

Latest highest rating:

4

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 ... Read more Reviewed on: 24th February 2024
Bob Cheeseman's avatar
Bob Cheeseman

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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Mills
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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 (24)

Probably the worst customer service of any company anywhere - ever!

1
Dreadful clunky set-up, resulting in persistent errors and continuous phone calls to try and sort things out, with the most unhelpful customer service. Reviewed on: 4th November 2016
Alison Kay's avatar
Alison Kay

Low-tech and clueless

1
Outdated IT, out-of-date phone numbers, clunky procedures, antiquated transfer mechanisms and card-payment applications = a goliath organisation that is completely out of touch with modern banking. Reviewed on: 4th November 2016
Mike Thompson's avatar
Mike Thompson

Put off for life!

1
I have been trying to get my son to save for years. Eventually he agreed to buy some savings bonds. NS&I requested id, passport, driving licence all signed by a professional. We did this and sent back - they stated they had it. Then sent out a request for more. Anyway they took more of his money - over the phone - then sent it back saying the account had been blocked for 21 days. We then received a letter from Customer Services Manager - Andreana Carrigan - stating that the account had been cancelled. But she would hope that we invest with NS&I in the future! I contacted customer services wanting to discuss with Andreana Carrigan - apparently she does not take calls! - when asked why they stated this was just a name the put on the letters and was not actually a person. THE WORST SERVICE I have ever encountered. Do not use these monkeys - they have not put my son of saving for life! I am furious. So disappointed. Reviewed on: 4th April 2016
Helen Dyson's avatar
Helen Dyson

Easy to manage....but very low rates!

3
I recently decided to close this account with NS&I. Although the product was quite easy to manage online (I don't think I've ever need to call them), the rate offered is very low. I would look at reopening if the interest rates increased. Reviewed on: 6th April 2015
Michael Fotis's avatar
Michael Fotis

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