Savings · Checked 13 Oct against NS&I’s own page

NS&I Direct ISA: 3.80% AER

NS&I Direct ISA: 3.80% AER · Cash ISA. Not a flexible ISA, you cannot transfer other ISAs into it, and the rate sits well below the best cash ISAs.

3.80%

AER · Cash ISA

Cash ISA
Anytime

Worth knowing

Not a flexible ISA, you cannot transfer other ISAs into it, and the rate sits well below the best cash ISAs.

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No commission

The details

Account type: Cash ISA
Deposits: from £1
Access: Anytime
Protection: Backed by HM Treasury: NS&I secures 100% of your savings (NS&I's own wording).
Details: Variable easy access Cash ISA · from £1 · no ISA transfers in · not flexible · interest paid yearly on 6 April · online or phone
Source: NS&I product page Checked 13 Oct · No commission

How MoneyHQ checked this

We read NS&I’s own page on 13 Oct and wrote down what it says: the figure, the conditions and the catch. Figures change, and the provider’s page is always the final word. The page we read is here. If you spot a difference, tell us and we will check again.

Work out the numbers

How it compares

3rd of 3 by rate, among the variable rate cash ISAs MoneyHQ has checked.

Account	Rate	To open	Term	Checked
Chip Smart Cash ISA	4.86% AER	£1	No fixed term	29 Oct
Moneybox Cash ISA	4.53% AER	£500	No fixed term	13 Oct
NS&I Direct ISA (this offer)	3.80% AER	£1	No fixed term	13 Oct

Every figure is from each provider's own page, checked on the date shown on that offer. MoneyHQ orders this table by rate alone; commission never changes the order.

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