Fixed Rate

NS&I Guaranteed Income Bonds - 3 Year Review

A competitive three-year fixed rate bond from NS&I. It ranks 17th of 46 three-year fixed rate bonds we track.

Fixed rate · 3 years

4.83%AER

Rate checked Oct 2026Got this account? Leave a review

Min balance

£500

Max balance

£1,000,000

Access

At maturity only

Interest paid

Monthly

How It Stacks Up

Ranks 17th of 46

3-year fixed bonds we track

Above average
This account 4.83%
UK CPI (Aug 2026)
3.10%
Pays 1.73% more
Average 3-year fixed
4.66%
Pays 0.17% more
Best 3-year fixed
5.18%
Pays 0.35% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare fixed bonds

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: Your money is locked in for 3 years

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Estimated returns with NS&I's Fixed Rate

What you could earn with NS&I's Guaranteed Income Bonds - 3 Year.

Estimated interest

£1,000 saved

£152

At 4.83% AER

£5,000 saved

£760

At 4.83% AER

£10,000 saved

£1,520

At 4.83% AER

£1,000,000 saved

£152,011

At 4.83% AER

Estimated over the 36-month term, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on NS&I Guaranteed Income Bonds - 3 Year

Jan WatermannCo-Founder, DepositScout

NS&I's Guaranteed Income Bonds pay 4.83% fixed for three years, with interest paid monthly, which suits anyone who wants a regular income top-up rather than a lump sum at maturity. That said, the rate sits 0.52% below the fixed-rate market leader at 5.35%, and market.position confirms it is below the market average, so you are paying a premium for NS&I's government backing. The money is locked until maturity with no access. Kent Reliance's 3 Year Fixed Rate Bond at 4.96% is worth a look if the income feature is not essential.

2 alternatives to NS&I's Guaranteed Income Bonds - 3 Year

Same type of account, closest on rate.

Common questions about the Guaranteed Income Bonds - 3 Year

D

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