NS&I may reject a bond holder’s or savings account number because it identifies a product, not your profile. Register or sign in on the official site. Use your 11-digit NS&I number, password and security code.
Use the right details and reach your account
Use your 11-digit NS&I number, registered contact details and two-factor authentication to register, sign in or recover access. Product and holder’s numbers identify holdings, but they do not reliably open your account.
An NS&I number has 11 digits. A Premium Bonds holder’s number and a savings account number can identify a product. They are not reliable substitutes for signing in.
Check each number before typing it
Use the NS&I number for access. Use an account number for the named savings product. Use a Premium Bonds holder’s number for that Bonds holding.
Stop if the login page rejects a holder’s number. Do not keep trying it.
Prepare the details NS&I will ask for
Keep your NS&I number, registered email address, current mobile, password and nominated bank account details ready. Enter passwords and security codes only through the official NS&I website.
A wrong mobile number can stop access. Check it before you need a code.
Start only the tasks that fit online access
Register or sign in before viewing balances, changing eligible details or managing holdings. Contact NS&I directly for bereavement cases, powers of attorney, identity disputes or access support.
For NS&I account registration, start only on the official NS&I website. If online registration does not suit you, use the official telephone service.
You will usually need details linked to an existing holding. NS&I may ask more questions to protect the account, then create or confirm your online access.
Once registered, use your 11-digit NS&I number and chosen password for future sign-in attempts.
Keep your contact details current. NS&I may need them to send a security code or check your identity.
Do not start registration through a search advert, email link or unexpected caller.
Some tasks do not need an NS&I online account. These include reading product terms, finding official contacts and checking general withdrawal rules.
Personal tasks normally need registration and secure checks. These include seeing your balance, changing eligible details and giving instructions for a holding.
Individual Premium Bonds prize information also needs secure access. A holder’s number or savings account number can help NS&I find the product, but it does not prove you may give online instructions.
If you are not registered, use the official registration or support route. Do not try to access another person’s account.
Fix access problems in the likeliest order
Check your NS&I number first. Reset the password if needed. Then check that NS&I holds your current mobile number for security codes.
Find a missing number or reset a password
Look through official statements, Bond records and letters for “NS&I number”. If the number is right but your password fails, use the official reset option.
Do not guess repeatedly. That can lead to a security block.
Deal with an old phone or security block
Contact NS&I through its official support route if codes go to an old phone. NS&I must check your identity before changing your details.
Never share passwords, one-time codes or full security answers with an unexpected caller.
If access still fails, check the issue once rather than making repeated attempts.
First, check that you entered the 11-digit NS&I number. Do not enter a Premium Bonds holder’s number or savings account number.
Next, use the official NS&I password reset route if it rejects your password. If no security code arrives, check that your registered mobile is current.
Check that your phone can receive messages. A continuing two-factor authentication issue may need identity checks before NS&I can change it.
If the account is blocked, stop guessing. Contact NS&I through its verified support channel.
Do the same if you never finished registration. Only provide nominated bank details when you are securely signed in or using an official route.
Check which service route your product allows
Check your product’s current terms before asking for money. Seeing a balance online does not mean every action is available digitally.
| Product | Balance | Add money | Withdraw | Update details | Prize management |
|---|
| Premium Bonds | Online, phone | Online, phone | Online, phone, form | Online, phone, form | Online, phone |
| Direct Saver | Online, phone | Online | Online, phone | Online, phone, form | Not applicable |
| Income Bonds | Online, phone | Online | Online, phone | Online, phone, form | Not applicable |
| Direct ISA | Online, phone | Online | Online, phone | Online, phone, form | Not applicable |
| Savings Certificates | Online, phone | Closed to new money | Online, phone, form | Online, phone, form | Not applicable |
Withdraw funds and manage premium bonds
Select the product. Choose withdrawal or cash-in if eligible. Then confirm the nominated bank account shown on screen.
Prize-payment choices and Bond cash-ins are separate instructions. Check each one before you confirm.
Treat ISAs and third-party payments carefully
Do not confuse an ISA withdrawal with an ISA transfer. Check product rules before accepting money from another person.
Third-party payments may need a set reference. They may also be restricted.
⚠️ Do not send a withdrawal request until the nominated bank account shown on screen is yours and current.
Your questions answered
Can I speak to a person at NS&I?
Yes, use NS&I’s official telephone support route when online recovery or identity checks cannot be completed. Have your NS&I or product details ready. Never give a caller your password or code.
How do I withdraw money from NS&I online?
Sign in and choose the eligible product. Select withdrawal or cash-in, then confirm your nominated bank account. Check the on-screen confirmation and current product terms.
Can I manage premium bonds online?
Eligible registered customers can view holdings and prize information online. They can also make eligible management requests. Extra security checks may apply before a cash-in or contact-detail change.
What if I only have my holder’s number?
A holder’s number identifies Premium Bonds but may not allow online sign-in. Find your 11-digit NS&I number in official records. You can also contact NS&I safely, but do not guess it.
Why is NS&I sending the code to my old phone?
NS&I sends codes to the mobile already registered on the account. You must pass identity checks before changing it. This applies if you cannot receive the code.
Can someone else pay into my NS&I account?
It depends on the product rules and payment instructions for that account. Check current NS&I guidance. Use the exact reference requested.
What should I do if I think an NS&I message is a scam?
Do not click links, reply or share a code. Open a new browser window and type nsandi.com yourself. Contact NS&I through its official website if you are unsure.
The essentials:- Use the 11-digit NS&I number for online registration and sign-in, not a product or holder’s number.
- Reset a rejected password instead of guessing repeatedly and risking a security block.
- Update an old mobile through NS&I’s verified process before you urgently need a code.
- Check the specific product route before withdrawing, adding money or arranging a third-party payment.
Related sources
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