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Review summary

Reviewers had a great experience with this company. Customers appreciate the straightforward and uncomplicated nature of the services provided. A lot of consumers find the staff to be pleasant and professional, and they are happy with the overall user experience. People also highlight the ease and speed with which they can move funds and feel secure with the security measures in place. However, some reviewers have expressed frustration with the contact methods and website. Some consumers have experienced technical problems, such as being locked out of their accounts or encountering error messages. Others find the website clunky and not user-friendly, especially on mobile devices, with some reporting issues with the login process.

Based on reviews, created with AI

See what reviewers are saying

Rated 4 out of 5 stars
Invited

Once logged into the website, it was easy to find the options for buying more Premium Bonds. The tedious part was dealing with the online banking obstacles which almost put me off. Luckily, I had both... See more

Rated 4 out of 5 stars
Invited

I like the ability to move funds to and from my NS&I products simply and quickly. The security measures in place (automated phone calls, one time passcodes and memorable data questions) make me feel t... See more

Rated 5 out of 5 stars
Invited

I initially made a small investment and then set up some direct debits to make regular investments. If I can do that then anyone can. I have received emails every step of the way as a payment ha... See more

Rated 5 out of 5 stars
Invited

I save regularly by standing order to buy Premium Bonds. On average my winnings equal the going rate with other investments and there’s always the chance of a big prize, all tax free. Withdrawal is as... See more


Company details

  1. Savings Bank

About NS&I

Written by the company

We’re the nation’s savings bank.

At NS&I, we support savers to achieve what they aspire to in life. We are the nation’s savings bank, and the only savings provider backed by HM Treasury. This means your savings are 100% secure, no matter how much you have saved with us.

We’ve been supporting the UK’s savers for over 160 years. With easy access savings accounts, fixed term investments and the chance to become a Premium Bonds millionaire — we’re the safe home for your savings.

Why save with us?

Written by the company

We're saving experts
We've been supporting the nation's savers since 1861. Today, millions of customers trust us with their savings.
We're the only savings provider backed by HM Treasury
We guarantee 100% of your savings – no matter how much you save.
We’re all about saving
Saving. Nothing more, nothing less. Whatever you’re saving for, we offer a range of products to suit your needs.
We're the home of Premium Bonds
Every £1 you save gives you the chance to win tax-free prizes every month – from £25 up to the two £1 million jackpots!

Contact info

Promotion box for NS&I

We’re here for you

Whether a new or existing NS&I saver, we're here and ready to help.

4.1

Great

TrustScore 4 out of 5

8K reviews

5-star
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1-star

Hasn’t replied to negative reviews


Rated 1 out of 5 stars

Just the worst customer service ever

Just the worst customer service ever. Totally unable to help with old postal accounts. Complaints handling are idiotic. Like something out of soviet Russia. Do not give these people your money you might never get it back.

Date of experience: July 09, 2025

Rated 5 out of 5 stars

I was connected to it .

I was connected to it, I purchased a residential IP from them, its service is amazing, the users are very fast and I am impressed with it! I liked the behavior of the live support manager very much.

Date of experience: July 08, 2025

Rated 1 out of 5 stars

One problem I consistenly have is they…

One problem I consistenly have is they keep logging me out as soon as I get into my account, can't withdraw money or anything just keeps saying I pressed the back button which I did NOT do, extremely fustrating to be honest!

Date of experience: July 06, 2025

Rated 1 out of 5 stars

Tried to buy premium bonds for my…

Tried to buy premium bonds for my godson and got an error, spent 25 mins over the phone to be told nobody can tell me why and to try a postal application
That was after battling with their digital agent
What a waste of time and poor customer service

Date of experience: July 05, 2025

Rated 1 out of 5 stars

Overseas Savers wil be locked out

The deeply frustrating Premium Bonds systems means that if you have relocated overseas, you are locked out of being able to make withdrawals.

I have been trying for over four months to retrieve funds on behalf of my children for their premium bond accounts. It remains inaccessible. Throughout this process, I’ve faced:
• Incredibly long delays (up to six weeks) for passwords to arrive via international post;
• Repeated failure of login credentials, even when they arrive;
• Passwords being invalidated before I can even use them, forcing me to restart the process;
• An inability to access support from your call centers, who tell me I’m locked out — but that they can’t help without a valid password;
• Online forms that fail to submit properly or return data errors – which isn’t communicated via email or text

If you're in the UK, then I think it's a good system. If you move overseas you should definitely plan on cashing out everything you have before you leave. It's honestly such a shambles

Date of experience: July 04, 2025

Rated 3 out of 5 stars

Since moving to Bull $tash

Since moving to Bull $tash, though, things have been straightforward profitable. it's the uncomplicated experience I'd hoped for no headaches, just clear results. NS&l, take note; sometimes basic and functional beat whatever this overengineered mess is supposed to be.

Date of experience: July 02, 2025

Rated 4 out of 5 stars
Invited

Surprisingly easy

Once logged into the website, it was easy to find the options for buying more Premium Bonds. The tedious part was dealing with the online banking obstacles which almost put me off. Luckily, I had both phone and laptop to be able to complete the transaction before being timed out.

Date of experience: June 01, 2025

Rated 1 out of 5 stars

USELESS APP. NOW UNINSTALLED

What is wrong with this mobile App. It does not tell you if you have won or not won. You log in with your code and it goes straight to the date for the next draw. I do not want to be logging into my laptop every month just to see what my balance is because that is the only way I can see if I have won anything or not. I go to the Google play store and depending on what day you log in to the play store, the N S & I app is different, sometimes cream and red and other times black and cream, for goodness sake, which one is it.????

The app used to say 'sorry, you have not won or congratulations you have won' but not anymore, just the log in and the next draw date for the following month.

Date of experience: July 02, 2025

Rated 1 out of 5 stars

I had about £3500 in premium bonds…

I had about £3500 in premium bonds every month then million pounds prizes are always going to people who own the maximum 50k I had it for about a year and won only 1 prize of £50 absoloutly pointless tbh so I have took it all out . I will say I had no problems withdrawing the money but isn't for me

Date of experience: July 01, 2025

Rated 1 out of 5 stars

NS&I are ridiculous

There isn’t a star low enough.
My daughter’s Junior ISA has been switched because she’s turned 18. We went through the painstaking task of ensuring our new address and contact details matched - if you move house they change the parent’s details but not the child’s (because your child obviously doesn’t move with you!). Learned this the hard way with eldest daughter trying to get her money, and it took months! Dutifully filled in and returned their forms this time so it wouldn’t happen again.
Letter with new account number arrived. Tried to register and no details are recognised. My daughter phoned and eventually got past the annoying robot. Was told she has to fill in even more forms and get them witnessed before they’ll let her register online.
They’ve moved her money from the Junior ISA into a Direct ISA. They set up the new account and should have systems in place to automatically allow access. It is her money, not theirs.
Once again it’s going to take months because of NS&I’s backward systems.
NEVER invest any money in NS&I because they make it too difficult for people to access their money.

Date of experience: July 01, 2025

Rated 1 out of 5 stars

I am absolutely finished with NsandI

I've had a premium bond account for years, and paid in every month. However for the last few months I've had endless technical problems, impossible to log in, lock me out after repeated attempts, claim the password is wrong, phone calls to them don't go through or have all sorts of other problems. Enough. You have lost me as a customer, I will find somewhere else to save my money.

The winnings are terrible too. With £14K invested I was winning nothing most months, just the very occasional £50 or £100 maybe three times a year.

Date of experience: July 01, 2025

Rated 1 out of 5 stars

A completely over complicated and…

A completely over complicated and inefficient system. Logged in and they phone me and want me to press # key then nothing call ends😡 I have entered name, number and password but still not enough😡
No appropriate help or customer service just specific queries set by them with their fixed answers.
I will never again invest any money with this fixated organisation. Stick to efficient UK banks.🙏

Date of experience: July 01, 2025

Rated 2 out of 5 stars

Website needs attention

Website needs attention. Repeated 'you used a back button' message, which was wrong. Basic functionality is in question

Date of experience: June 30, 2025

Rated 1 out of 5 stars

Scam. Not a legitimate company

They’ve cashed my check but no income bond has been set up and it’s been nearly two weeks.
As it’s an income bond for trustees there is no way to track my details because it has to be done by post and a check.
I was also originally told I didn’t need to send a check, but my form was sent back saying I do need to send a check.
Also I was originally told that I wouldn’t get my forms back because they shred them. So I’ve had different stories from different people and now my money was taken but no account was set up.
Next is to phone the bank and say I’ve been scammed as it doesn’t seem like a legitimate company.

Date of experience: June 11, 2025

Rated 5 out of 5 stars
Invited

Safe way of saving with the chance of winning big prizes

I save regularly by standing order to buy Premium Bonds. On average my winnings equal the going rate with other investments and there’s always the chance of a big prize, all tax free. Withdrawal is as easy as purchasing, so no problem there.

Date of experience: June 01, 2025

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