NS&I rate changes - 26th January 2026

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NS&I rate changes - 26th January 2026

Rates on all British Savings Bonds (Guaranteed Growth Bonds and Guaranteed Income Bonds), which have been decreased.

NS&I recently announced a cut to the interest rates for all terms of British Savings Bonds (aka Guaranteed Growth Bonds and Guaranteed Income Bonds):
The corresponding best fixed rate for each term in the market according to Moneyfacts as at 23 January were:

The nearest equivalent gilts are:

Their net and gross yields are:

Source: giltsyield.com

Remember, tax on interest rises by two percentage points from 2027/28.

Source: Techlink Professional. This is a news bulletin and is up-to-date as of the date of publishing. Please check the publishing date at the top of the article.

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Essential Wealth Management is a trading name of Essential Wealth Management and Advice Ltd which is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. Essential Wealth Management and Advice Ltd is entered on the FCA register (www.FCA.org.uk) under no. 518528. Registered office: 1-2 Great Farm Barns, West Woodhay,Newbury, Berkshire RG20 0BP. Registered in England and Wales Number: 04020006.

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