What's the best NS&I 貯金 account? As the 賞与金 社債 prize 率 is 上げるd again to 3.3%, we run the 支配する over ALL the 最高の，を越す 取引，協定s

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The 貯金 戦う／戦い took another 新たな展開 yesterday as NS&I upped 率s on its popular 賞与金 社債s, Income 社債s and Direct Saver 平易な-接近 account.

From next month, there will be an extra £15 million in 賞与金 社債 prizes up for 得る，とらえるs as the 政府-支援するd bank raises the prize 基金 率 from 3.15 per cent to 3.3 per cent.?

That is 0.05 百分率 points higher than the best-buy 平易な-接近 率 of 3.25?per cent from Swansea BS.?

- Check out the best 平易な-接近 貯金 率s here.?

Better returns : NS&I has upped the 率s on its popular 賞与金 社債s, Income 社債s and Direct Saver 平易な-接近 account

It is the fifth rise in the 賞与金 社債s prize 基金 since it started to climb last June. But the 半端物s of winning a prize stay the same ― at 24,000 to 1.

That’s because NS&I has once again 削減（する） the number of £25 smaller prizes, but raised the number of £50 to £100,000 ones.

NS&I 推定する／予想するs to 支払う／賃金 out 248 prizes of £25,000 (up 12 on this month’s draw) and 123 (up six) at £50,000. The number of £100,000 prizes is up three to 62, while two £1 million jackpots remain.

NS&I has also 上げるd the 率 on its Income 社債s and Direct Saver to 2.85 per cent.

Kevin Mountford, co-創立者 of 貯金 壇・綱領・公約 Raisin UK, says: ‘The big question is now how much does the 政府 need to borrow??

This 最新の move is either because NS&I needs to build up its coffers as a result of money flowing out, or is it a new （選挙などの）運動をする to bring in extra?

‘When NS&I 申し込む／申し出s 最高の，を越す 率s, it 原因（となる）s a de nt in money going to banks and building societies. They will need to become more 競争の激しい if they want to attract money.’

賞与金 社債s are the jewel in NS&I’s 栄冠を与える. The move means it is now （警官の）巡回区域，受持ち区域ing the 大多数 of the best-buy 平易な-接近 accounts. Other 貯金 organisations with their own prize draws don’t compete.

選ぶ of the bunch is Halifax. It gives away 1,603 prizes a month to savers who have at least £5,000 with the bank ― three of £100,000, 100 of £10,000 and 1,500 of £100 prizes.

It has given away £75 million since the start in 2011, against the 近づく five million prizes paid out just this month by 賞与金 社債s, 価値（がある） nearly £314 million.

As NS&I ますます 支払う／賃金s 最高の，を越す 率s, we take a look at how they match up with those 申し込む／申し出d by banks and building societies.

Favourite: 賞与金 社債s are NS&I's 最高の，を越す account with £119.5bn of savers' money tied up hoping to 勝利，勝つ a 月毎の prize between £25 and £1m

平易な-接近

Direct Saver, NS&I’s 平易な-接近 account, has also been 上げるd this week and now 支払う／賃金s 2.85 per cent ― the highest since it 開始する，打ち上げるd in March 2010. You can open and run this account online or on the phone.

You can do わずかに better with other internet-based accounts, such as Shawbrook Bank, which 増加するd its 率 to 3.01 per cent last week.

Skipton BS Base 率 Tracker 問題／発行する 4, on 申し込む／申し出 through the 地位，任命する, online and 支店s, 支払う／賃金s 2.9 per cent.?

It comes with a 保証（人） to 支払う／賃金 1.1 points いっそう少なく than the base 率 for 24 months. If the base 率 does rise again, you know you will 利益 in 十分な.

• Sylvia’s 判決: 高度に 競争の激しい 率 ― 価値（がある） your time.

Income 社債s

Income 社債s from NS&I were also 上げるd and 支払う／賃金 2.85 per cent. They are popular with pensioners, because your 利益／興味 is paid each month 直接／まっすぐに into your bank account and you can open an account by 地位，任命する, phone or online.

Newbury Building Society 支払う／賃金s a higher 2.9 per cent on its 上級の Saver. You can open an account online, by 地位，任命する or in its 支店s, if you are 老年の 55 or over and live in England and むちの跡s.

Others which 支払う／賃金 わずかに better 率s on online accounts 含む Sh awbrook Bank at 2.97 per cent, while the Skipton Base 率 Tracker 支払う／賃金s 2.86 per cent 月毎の.

• Sylvia’s 判決: Again, this is a good 率 from NS&I, which I 予報する will be popular.

One-year 直す／買収する，八百長をする

This new one-year 保証（人）d Growth 社債 from NS&I 支払う／賃金s 4 per cent 直す／買収する，八百長をするd for one year ― up there with the best accounts. The 最高の，を越す 率s come from の近くに Brothers, 安全な・保証する 信用 and 原子 (through its app), all at 4.15 per cent.

競争の激しい: The?new one-year 保証（人）d Growth 社債 from NS&I 支払う／賃金s 4% 直す／買収する，八百長をするd for one year ― up with the best accounts

Coventry BS 支払う／賃金s 4.1 per cent for a わずかに longer 称する，呼ぶ／期間／用語 with the 率 直す／買収する，八百長をするd to April 30 next year ― this is 利用できる online, through its 支店s or by 地位，任命する.

• Sylvia’s 判決: The 保証（人）d Growth 社債 is 申し込む／申し出ing a 競争の激しい 率 ― and I think it could sell out やめる quickly.

月毎の income

NS&I’s 月毎の income 見解／翻訳／版, 指名するd the 保証（人）d Income 社債, 支払う／賃金s 3.9 per cent for a year.

最高の，を越す payers 含む 原子 at 4.07 per cent and Coventry at 4.02 per cent.

That gives you around £32 a month on each £10,000 with NS&I, only around £2 いっそう少なく than the £33.90 you would see from 原子.

• Sylvia’s 判決: NS&I has 開始する，打ち上げるd a very 競争の激しい 率.

Cash Isa

The NS&I Direct Isa is also an 平易な-接近 account, but 支払う／賃金s いっそう少なく than its Direct Saver. In this 税金-解放する／自由な Direct Isa, you earn 2.1 per cent.

This 率 difference makes the Isa a 非，不，無-starter if you don’t 支払う／賃金 税金.?

You also lose almost all your 税金 advantage as a basic-率 payer. You’ll earn 2.1 per cent in the Isa and a better 2.28 per cent in the Direct Saver after basic 率 税金.

There are plenty of better 取引，協定s どこかよそで. Shawbrook Bank’s online account 支払う／賃金s 2.91 per cent, Cynergy Bank 2.85 per cent and Yorkshire BS Internet Isa 加える 2.75 per cent.

• Sylvia’s 判決: Go どこかよそで for better 率s.

Junior Isa

NS&I’s Junior Isa 支払う／賃金s 3.4 per cent for those saving for their children until they reach 18 ― online only.

This 率 is much better than some of the big banks such as Lloyds’ 2 per cent and Halifax’s 2.5 per cent.

But you can do better with your 地元の building society. For example, Bath 支払う／賃金s 4.8 per cent, ri sing to 5 per cent next month, while Skipton and Swansea both 支払う／賃金 4 per cent.

• Sylvia’s 判決: Not a bad 率.

税金 advantage: The NS&I Direct Isa is also an 平易な 接近 account, but 支払う／賃金s いっそう少なく than its Direct Saver. In this 税金-解放する／自由な Direct Isa, you earn 2.1%

Three-year 直す／買収する，八百長をする

NS&I has 上げるd the 率 on its Green 貯金 社債s to 4.2 per cent for three years ― up from 3 per cent. You can earn a whisker more at 安全な・保証する 信用 and の近くに Brothers ― both have a 最高の，を越す 率 of 4.25 per cent.

But there could be a 税金 sting in the tail when saving over 36 months with NS&I. All 利益／興味 earned over the three years is 追加するd when the 社債 円熟したs and all 税金d in that year.

O n £10,000, your total 利益／興味 will 量 to £1,313.60, meaning you 破産した／（警察が）手入れする your personal allowance of £1,000 as a basic-率 taxpayer or £500 as a higher-率 payer.

On most 直す／買収する，八百長をするd-率 社債s, your 利益／興味 is paid each year and you 支払う／賃金 税金 in the same year.

• Sylvia’s 判決: Look to see what other green providers, such as Triodos Bank UK and 生態学 BS, have to 申し込む／申し出.

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sy.morris@dailymail.co.uk