NS&I fails to pass on full rate increase to savers


Savers with National Savings & Investments have been left disappointed after the government-backed



By Adam Williams 31 AUGUST 2018 • 5:24PM


Savers with National Savings & Investments have been left disappointed after the government-backed organisation decided not to pass on the full 0.25 percentage point rise in Bank Rate to its customers.


From October 1 the interest rate payable on NS&I’s Income Bonds will rise from 1pc to 1.15pc. Savers with an Investment Account will see their interest rate increase from 0.7pc to 0.8pc, while the Direct Saver’s rate will rise from 0.95pc to 1pc.


Following the previous Bank Rate rise, in November 2017, NS&I boosted the interest rates on all three accounts by the full 0.25 percentage points. Despite announcing that rates would increase marginally on these three accounts, other NS&I customers will actually see their interest rates cut in the near future.


The interest rate on the flagship Direct Isa will drop from 1pc to 0.75pc on September 24.


NS&I said that because of its unique position of being owned by the Government it had to balance the needs of individual savers, taxpayers and the wider savings market when determining its interest rates.


Anna Bowes of Savings Champion, a comparison service, said: “This muted response from NS&I was expected. This follows the news in June that the amount you can invest in NS&I’s Guaranteed Growth and Guaranteed Income bonds was to be restricted to no more than £10,000 per person from its previous ceiling of £1m.”


Ms Bowes said savers should instead consider Coventry Building Society’s Limited Access Saver. This pays 1.4pc, although account holders are limited to three withdrawals per year.


Full article can be read on the Telegraph website.


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