Antiquated, broken, clunky, mediocre, half baked, and headache inducing are all words that perfectly sum up NS&I.

Signing up was a ball-ache and I had to call customer services to manually retrieve my NS&I number to access my account as their systems must've had an issue, yet they were VERY quick to take my money.

Accessing and navigating their website is a nightmare. Over-the-top security features make logging in extremely tedious, and to make it worse; it times out extremely quickly, making you go through the hellish login process sooner rather than later. I didn't press the damned back button, why did you log me out?!

And to top it all off, cashing out your investment is SLOW and yet again, needlessly difficult. Seriously, don't bother. Invest your money elsewhere. NS&I is awful and rather shady.