Owning your account when you turn 16

As soon as you turn 16, you become responsible for your own NS&I account(s). The easiest way to manage them is to use our online service.

You’ll need to complete a registration form and send it to us first. This is because we need someone to witness your signature as proof of identity.

Once we have this, you’ll be able to manage your accounts online (except for Investment Account, which can only be managed by post).

Download a registration form

Please ask a witness (anyone over 18, but not a family member) to write the following in a covering letter, which they’ll need to sign and date: "I certify that (your name) signed the enclosed form in my presence and that I am not a member of the same family".

We'll also need your witness to print their name, address and occupation in the same letter. Please send the letter to us with the completed form.

FAQs

• How can I manage my Premium Bonds?

  When you’ve registered and logged in, you’ll see a summary on your homepage of any Premium Bonds you have. You’ll then be able to buy more Bonds, cash them in, choose how your prizes are paid and update your details. You can also choose to go paperless.

• How can I manage my Junior ISA?

  When you’ve registered and logged in, you’ll see a summary on your homepage of your Junior ISA. Then just click the ‘Take ownership’ button.

  The next screen will ask you to provide your National Insurance number, choose how you want to receive notifications, and confirm that you’ve read the customer agreement (terms and conditions) and Junior ISA declaration.

  When you reach 18 we’ll automatically transfer the money from your Junior ISA into an adult cash ISA from NS&I. We’ll contact the person who looks after the Junior ISA about a month before this happens.

• How can I manage my Investment Account?

  If an Investment Account is the only account you have with us, you won't be able to manage it online. But if you have another NS&I account already – like Premium Bonds – you can register for our online and phone service.

  When you’ve registered and logged in, you’ll see a summary of your Investment Account. You can check your balance and view your transactions at any time. But remember that the Investment Account is a postal account, so if you want to pay in or take out money, you’ll need to print and complete a form and send it to us. You can find all the forms here:

  Downloads and forms

• What if I don't want to use your online service?

  If you have Premium Bonds, Children’s Bonds or an Investment Account, you can manage them by post and you don’t have to use our online service.

  To take control of these accounts without using our online service, you’ll need to write to us. Please include the following details in your letter:

  • Which NS&I account(s) you have
  • Your holder’s or account number(s)
  • Your name, address and date of birth
  • Your signature
  • The signature and details of a witness (see below)

  How to ask a witness to sign your letter and give their details

  Please ask a witness (anyone over 18, not a family member) to:

  • Write the following at the bottom of your letter: ‘I certify that (your name) signed this letter in my presence and that I am not a member of the same family’
  • Below this, add their signature and the date
  • Give their name, address, date of birth and occupation

  Then send your letter, signed by you and the witness, to:

  NS&I, Sunderland SR43 2SB

  Once you’ve written to us and we’ve got your signature and your witness’s signature, you can manage your account(s) by post. You can find all the forms you need here:

  Downloads and forms