Smart Money People Logo

Voting in the Insurance choice awards 2025 is open - Vote here

Own this company?
Share this page
Link copied

NS&I reviews

NS&I Logo
Rated Average • 2.92/5

NS&I reviews

This business hasn't yet registered to manage and respond to reviews on their page. Own this business?. Find out how to register here

Unverified business
Last reviewed within 21 days

Review summary

People rate this company as Average based on 191 product reviews

Average score of 2.92/5
5 star
35%
4 star
13%
3 star
7%
2 star
3%
1 star
42%
Reviews for NS&I have trended negatively over the past 90 days

Latest positive rating

5/5

Good products 100% secure I have several bonds and t...

Good products 100% secure I have several bonds and they are fixed and Offer good rates of interest

{"display":"jameslbradshaw@icloud.com","full_name":"jameslbradshaw@icloud.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

Latest negative rating

1/5

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... 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. Read more Read less

{"display":"Mills","full_name":"Mills","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Income Bonds
Mills 10th July 2025
See more reviews for NS&I products

About NS&I

National Savings and Investments (NS&I), formerly called the Post Office Savings Bank and National Savings was originally founded in 1861.

The most well-known product created by NS&I is Premium Bonds. NS&I is a little different from a normal bank or building society as it’s part of the UK government.

NS&I provide a range of savings products including bonds, ISAs and easy access accounts.

NS&I at a glance

Reviews for NS&I

Showing 11 of 191 company reviews • Last reviewed within 21 days

What a terrible investment!

Income Bonds • 10th July 2025

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... 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. Read more Read less

{"display":"Mills","full_name":"Mills","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

Good products 100% secure I have several bonds and t...

Fixed Term Investments • 24th June 2025

Good products 100% secure I have several bonds and they are fixed and Offer good rates of interest

{"display":"jameslbradshaw@icloud.com","full_name":"jameslbradshaw@icloud.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 3/5

    Do you feel lucky?

    Better chances with more saved, but also missing regular interest. Just a chance to win a large amount, all depends on how lucky you feel

    {"display":"Rich J","full_name":"Rich J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Premium Bond
    Rich J 13th June 2025
  • 5/5

    Premium Bonds are worth holding, I think....

    Returns on Premium Bonds are generally average, with the slim chance of above average winnings each month. Winnings are not taxable which is a bonus.

    {"display":"Carl Mountain","full_name":"Carl Mountain","avatar":{"url":"\/assets\/uploads\/avatars\/users\/461586.png"}}'s avatar
  • 4/5

    Since early 1960’s.

    I bought £30 worth in the early 1960s (when they were £1) and have had several wins of £25.. Last December I won £25 and... I bought £30 worth in the early 1960s (when they were £1) and have had several wins of £25.. Last December I won £25 and this April another £25. Just luck of the draw.. I now have £575 in as I leave them to be reinvested, and am thinking of putting more money into them.. It’s nice when you receive an envelope telling you that you have won £25. Read more Read less

    {"display":"Eileen Mary Redfern","full_name":"Eileen Mary Redfern","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    40k in premium bonds for 5 months and only won £175.

    40k in premium bonds for 5 months and only won £175. 3 months won nothing. Much better off in shares or high interest savings account.

    {"display":"Steve","full_name":"Steve","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Premium Bond
    Steve 6th March 2025
  • 5/5

    Safe but worth it as interest rates rise?

    Used to be a dead cert for somewhere to keep money safe when savings interest rates were next to %zero. Now savings rates are returning... Used to be a dead cert for somewhere to keep money safe when savings interest rates were next to %zero. Now savings rates are returning a sum of sorts it's worth thinking if gambling £50 a month guaranteed loss of interest is worth it versus potential winnings. Read more Read less

    {"display":"AshH","full_name":"AshH","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Premium Bond
    AshH 27th February 2025
  • 5/5

    Great product

    Good rate of interest which can be drawn monthly

    {"display":"Jackie Talbot","full_name":"Jackie Talbot","avatar":{"url":"\/assets\/uploads\/avatars\/users\/7832.png"}}'s avatar
  • 5/5

    Good rates and good customer service.

    Good rates and good customer service.

    {"display":"Jefferson G","full_name":"Jefferson G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    Can't withdraw my money.

    Can't withdraw my money. Absolute disgrace.

    {"display":"Chris Richards","full_name":"Chris Richards","avatar":{"url":"\/assets\/uploads\/avatars\/users\/778993.png"}}'s avatar
    Premium Bond
    Chris Richards 5th February 2025
  • 1/5

    Make it impossible to cash out premium bonds - do no...

    Make it impossible to cash out premium bonds - do not buy them!!!

    {"display":"Mo","full_name":"Mo","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Premium Bond
    Mo 24th January 2025

    Products from NS&I
    Showing products offered by NS&I

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice