英国国家储蓄投资公司（NS&I）近期上调了旗下储蓄产品的收益率，多款债券首次突破5%利率。其中，一年期债券利率从4.82%升至4.99%，两年期从4.81%升至5.07%，三年期从4.83%升至5.1%，五年期从4.85%升至5.17%1。这反映出英国储蓄市场竞争日趋激烈。
尽管NS&I的利率具有竞争力，但并非市场最高。根据最新数据，一年期固定收益产品的最高利率为5.12%（由联合银行印度英国分支提供），而五年期最高可达5.37%（GB Bank提供）1。此外，Starling银行向10月1日之后开户或已开户的活期账户客户提供6个月内5%的利率优惠1，Marcus by Goldman Sachs的一年期固定收益账户利率也从4.3%上升至4.75%1。
业内人士对这类高利率产品的前景持谨慎态度。Moneyfactscompare.co.uk的分析师Rachel Springall指出，一旦提供商吸引到足够资金，这些高息产品可能会被下架1。AJ Bell的Sarah Coles也表示，虽然NS&I的利率具有竞争力，但储户仍可在其他渠道获得更高收益1。
NS&I的英国储蓄债券每人最高投资额为100万英镑，最低投资500英镑，储蓄受英国财政部担保，对超过12万英镑的储蓄提供100%保护1。
National Savings and Investments (NS&I) has raised returns across its bond products, with several offerings breaking the 5% threshold for the first time.1 The one-year bond rate increased from 4.82% to 4.99%, the two-year rate rose from 4.81% to 5.07%, the three-year rate climbed from 4.83% to 5.1%, and the five-year rate moved from 4.85% to 5.17%.1 However, financial experts caution that these attractive rates are unlikely to remain on offer indefinitely. Rachel Springall from Moneyfactscompare.co.uk noted that providers typically withdraw such products once they have attracted sufficient funds.1
Despite NS&I's improved rates, more competitive options remain available in the market.1 The highest one-year fixed-rate bond currently stands at 5.12% through Union Bank India's UK branch, while GB Bank offers the top five-year rate at 5.37%.1 Starling Bank's Easy Saver account provides 5% interest for the first six months to customers who opened accounts on or after October 1, with earlier customers receiving 4% including a 2.5% fixed bonus over the same period.1 Marcus by Goldman Sachs has also increased its one-year fixed-rate account from 4.3% to 4.75%.1 Sarah Coles at AJ Bell acknowledged that while NS&I's rates are competitive, superior returns can still be found elsewhere.1
NS&I bonds offer fixed terms of one to five years and require a minimum investment of £500, with a maximum per person of £1 million.1 All NS&I savings are guaranteed by the UK Treasury, providing 100% protection for deposits exceeding £120,000.1
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