Index-linked Savings Certificates
Inflation-beating savings with tax-free returns
With our Inflation-Beating Savings, you can be sure that the value of your savings will stay ahead of any increase in the Retail Prices Index over the investment term. This gives you real peace of mind.
Because inflation fluctuates, you won’t know exactly how much you are going to receive until your Certificates mature. But you can be sure that your money will have more spending power.
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 Index-linked Savings Certificates |
Interest rates (AERs) | Index-linking (RPI) plus fixed interest 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 index-linking or interest paid if cashed in within first year |
Access | Apply online, by phone, at a Post Office® or by post; cash in by post |
