Our range / Fixed Interest Savings Certificates /

Fixed Interest Savings Certificates

Maximise your tax-free savings opportunities

Fixed Interest Savings Certificates are lump sum investments that earn guaranteed rates of interest over set periods of time, called 'terms'. They're free of UK Income Tax and Capital Gains Tax, whatever rate you normally pay. You don't even need to declare the interest on your tax return.

As part of our commitment to the Banking Code, we’ve included a summary box below to help you compare this investment with those from other providers.

Summary box: key product information

Account name	NS&I Fixed Interest Savings Certificates
Interest rates (AERs)	Fixed for set terms – see interest rates
Tax status	Tax-free
Conditions for bonus payment	Not applicable
Withdrawal arrangements	Can be cashed in early, but no interest paid if cashed in within first year
Access	Apply online, by phone, at a Post Office® or by post; cash in by post

Are they right for me?

Home Print Email to a friend

Search

Invest now!

Click here to invest now

Benefits

Tax-free
Guaranteed returns
Choice of terms

Helpful information

Your savings needs