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From 1 May 2019, new issues of 1 year and 3 year Guaranteed Growth Bonds and Guaranteed Income Bonds will be on sale with a revised customer agreement (terms and conditions). The current interest rates, and the holding limit of £10,000 for both Guaranteed Growth Bonds and Guaranteed Income Bonds, will be unchanged. 1-year Guaranteed Growth Bond will continue to pay an interest rate of 1.50% gross/AER, while the 3-year Bond will continue to pay 1.95% gross/AER.

Assistant Director of Retail Experience Lorna Kujawa explains how and why we use customer behaviour to enhance our services and offers as we become an increasingly digital organisation.

Peter Oakley, NS&I Project Assurance Manager, and Patrick Cook, Risk & Assurance Manager, from Atos UK & Ireland, give an overview of how we took the power of Premium Bonds into the quantum realm.

NS&I has today published its unaudited quarterly results for the third quarter (October to December 2018) of the financial year 2018-19. NS&I delivered £3.3 billion of Net Financing in Q3 2018-19, giving a year-to-date total of £8.9 billion.

Lorna Kujawa, Assistant Retail Director at NS&I, and Ben Murphy, Director of Digital and Innovation at Atos UK & Ireland, write about how we came together to become one of the first financial organisations in the UK to use voice technology on Alexa.

NS&I research has shown the enduring influence of our parents on building long term savings habits and the financial as well as emotional bonds between the generations. 50% of Britons had a savings account opened for them by their parent or guardian when they were a child, with just over half of over 16s (51%) saving regularly as a child, either by themselves or parents investing on their behalf and almost two thirds of over 16s (62%) saving regularly into adulthood.

NS&I has announced that it is increasing interest rates on both its Junior ISA and Direct ISA. Interest rates paid on Junior ISA will be increasing by 75 basis points from 2.50% AER to 3.25% AER. In addition, the interest rate paid on Direct ISA will be increasing by 15 basis points from 0.75% AER to 0.90% AER.

ERNIE has regenerated for the first time in 15 years, and is using quantum technology to generate random numbers. NS&I has also become one of the UK's first financial organisations to create an Alexa Skill, giving Premium Bonds customers another way to check their prizes.

ERNIE has moved into the quantum realm but over £60 million in prizes is still to be paid to winning Premium Bonds holders.

When we reduced the minimum investment into Premium Bonds to £25 at the start of February, we also reduced the minimum monthly standing order, making it even easier for people to get into the savings habit.