Withdrawing from your savings
How to take money out
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You can cash in all or part of your Bonds at any time.
If you’re registered to manage your savings online or by phone, simply log in or call us.
Not registered? You can easily withdraw money from yours or your child’s Premium Bonds without needing to create an online profile. All you need to do is fill out a quick online form. Make sure you have your account details to hand.
Cash in a child’s Premium Bonds
Please note: you must be the person responsible for the child’s Premium Bonds in order to withdraw them or close the account.
Want to cash in specific Bonds?
If you’d like to take money out of Premium Bonds, but make sure that certain Bonds are kept in the draw, you can do this online using a form.
Cash in specific Premium Bonds
You can also download, print and complete a cashing in form. Then post your completed form to us together with the Bond certificates to be cashed in (if you have them).
Don’t have access to a printer? Call us and we’ll send you a copy of the form.
Find out how long it takes to receive your payment using the calculator below
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These Bonds cannot be cashed in until the end of the term.
However, you do have the right to cancel your investment within the first 30 days.
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You can cash in all or part of your Income Bonds amount at any time. The minimum you can take out is £500. At least £500 must stay in your account to keep it open.
If you’re registered to manage your savings online or by phone, simply log in or call us.
Not registered? You can easily withdraw money from your Income Bonds without needing to create an online profile. All you need to do is fill out a quick online form. Make sure you have your account details to hand.
You can also download, print and complete a cashing in form. Then post your completed form to us.
Don’t have access to a printer? Call us and we’ll send you a copy of the form.
Find out how long it takes to receive your payment using the calculator below
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You can't make withdrawals from a Junior ISA. On the child’s 18th birthday, we’ll automatically transfer the money to an adult cash ISA from NS&I. The child will then be able to withdraw money. We’ll contact the person who looks after the account about a month before the transfer happens.
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The minimum you can withdraw is £1 and at least £1 must remain in your account to keep it open.
You can easily withdraw money from your Investment Account without needing to create an online profile. All you need to do is fill out a quick online form. Make sure you have your account details to hand.
Withdraw money from your Investment Account
Prefer the post?
It will take a bit longer, but you can also complete a withdrawal form and send it to us.
Don’t have access to a printer? Call us and we’ll send you a copy of the form.
Find out how long it takes to receive your payment using the calculator below
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These Bonds cannot be cashed in until the end of the chosen term.
However, you do have the right to cancel your investment within the first 30 days.
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These Bonds cannot be cashed in until the end of the chosen term.
However, you do have the right to cancel your investment within the first 30 days.
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Certificates starting their term on or before 22 July 2023
Index-linked Savings Certificates are designed to be held for the whole of your chosen investment term. You can cash in at the end of a term with no penalty or loss of interest.
Certificates starting their term on or before 22 July 2023 can be cashed in early but a penalty is deducted from your payment, equivalent to 90 days’ interest on the amount cashed in. And you’ll lose the index-linking on your whole Certificate for that investment year.
Bear in mind that if you cash in all of your Certificate within 90 days of renewing, you will get back less than your renewal value.
When you cash in part of a Certificate, at least £100 must remain in the Certificate to keep it open.
How to cash in
Registered for our online and phone service? Log in or call us at any time with your NS&I number and password to hand.
Find out how long it takes to receive your payment using the calculator below
Certificates starting their term on or after 23 July 2023
These Certificates cannot be cashed in before the end of your chosen term.
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Certificates starting their term on or before 22 July 2023
Fixed Interest Savings Certificates are designed to be held for the whole of your chosen investment term. You can cash in at the end of a term with no penalty or loss of interest.
Certificates starting their term on or before 22 July 2023 can be cashed in early but a penalty is deducted from your payment, equivalent to 90 days’ interest on the amount cashed in.
When you cash in part of a Certificate, at least £100 must remain in the Certificate to keep it open.
Bear in mind that if you cash in all of your Certificate within 90 days of renewing, you will get back less than your renewal value.
How to cash in
Registered for our online and phone service? Log in or call us at any time with your NS&I number and password to hand.
Or complete a cashing in form and send it to us.
Find out how long it takes to receive your payment using the calculator below
Certificates starting their term on or after 23 July 2023
These Certificates cannot be cashed in before the end of your chosen term.
The time it takes to receive a withdrawal depends on which NS&I account you have, how much you want to take out and how you give us your withdrawal instruction. The quickest way to get your money is to tell us online or by phone. Use our calculator below to find out when you'd receive your payment.
Payment timeline calculator
Online and phone only
The calculator is designed to tell you when you would receive a single withdrawal from one account. If you’re making more than one withdrawal on the same day, or want full details of our withdrawal timescales, please see below.
Withdrawal FAQs
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Online and phone
The payment will normally reach your account by the end of the first banking day after the day we receive your instruction.
Post
If we get your instruction on a banking day before 13:00, we'll process it on the next banking day. The payment will normally reach your account on the banking day after that. If we get your instruction after 13:00 on a banking day, or on a weekend or bank holiday, we'll act as if we received it on the following banking day.
The same timescales apply to further withdrawals from any of these accounts on the same day, as long as the total you withdraw is no more than £50,000.
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If a withdrawal from one of these accounts takes your combined daily withdrawal total above £50,000, the following timescales will apply:
Online and phone
When we get your instruction on a banking day before 20:00, we’ll process it that day. The payment will normally reach your account two banking days after that. If we receive your instruction after 20:00 on a banking day, or on a weekend or bank holiday, we'll act as if we received it on the following banking day.
Post
When we get your instruction on a banking day before 13:00 we'll process it on the next banking day. The payment will normally reach your account two banking days after that. If we get your instruction after 13:00 on a banking day, or on a weekend or bank holiday, we'll act as if we received it on the following banking day.
The same timescales apply to further withdrawals from any of these accounts on the same day.
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Online and phone
When we get your instruction on a banking day before 20:00, we’ll process it that day. The payment will normally reach your account two banking days after that. If we get your instruction after 20:00 on a banking day, or on a weekend or bank holiday, we'll act as if we received it on the following banking day.
Post
When we get your instruction on a banking day before 13:00 we'll process it on the next banking day. The payment will normally reach your account two banking days after that. If we get your instruction after 13:00 on a banking day, or on a weekend or bank holiday, we'll act as if we received it on the following banking day.
Cash in Guaranteed Income Bonds
If you’re already registered, log in to cash in your Guaranteed Income Bonds:
Log in / registerNot registered? You can also cash in Guaranteed Income Bonds online without having to create an account.
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You’ll need your NS&I or account number and bank account details to hand.
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No thanks, I want to use post Only use if you invested in or renewed your Guaranteed Income Bond on or before 30 April 2019
Cash in Guaranteed Growth Bonds
Depending on the type of Guaranteed Growth Bond you hold, you may be able to cash in online without having to create an account.
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You’ll need your NS&I or account number and bank account details to hand.
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No thanks, I want to use post Only use if you invested in or renewed your Guaranteed Growth Bond on or before 30 April 2019
Cash in Fixed Interest Savings Certificates
If you’re already registered, log in to cash in your Fixed Interest Savings Certificates:
Log in / registerNot registered? You can also cash in Fixed Interest Savings Certificates online without having to create an account.
- Cash in my Fixed Interest Savings Certificates
You’ll need your NS&I or account number and bank account details to hand.
Cash in Index-linked Savings Certificates
If you’re already registered, log in to cash in your Index-linked Savings Certificates:
Log in / registerNot registered? You can also cash in Fixed Interest Savings Certificates online without having to create an account.
- Cash in my Index-linked Savings Certificates
You’ll need your NS&I or account number and bank account details to hand.
Cash in your Guaranteed Growth Bond
To help understand if your Bond can be cashed in early, please answer the question below.
Cash in your Guaranteed Income Bond
To help understand if your Bond can be cashed in early, please answer the question below.