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A married couple must open two separate TreasuryDirect accounts if both spouses wish to purchase I Bonds. Each account is limited to purchasing $10,000 per person per calendar year, so if you want to purchase $20,000 in a year, you need two accounts.

$10,000 limit: Up to $10,000 of I bonds can be purchased, per person (or entity), per year. A married couple can each purchase $10,000 per year ($20,000 per year total). 7.12% interest: The yield on I bonds has two components?a fixed rate and an inflation rate.

Each person or entity that you purchase I bonds for will need to have a Treasury Direct account ? they can't be combined ? so you'll have to make sure to keep each login and password safe. Depending on when you buy I bonds, you'll also have to keep track of when you're able to access the money.

When purchasing an I bond for a child, you have a couple of options. You can buy it in your name and then gift them the cash once the bond matures. That's easier, as the kid wouldn't need an account. Or you can buy the bonds in their name, which requires their basic information.

Gifting paper I savings bonds With your tax refund, you can buy savings bonds for anyone (yourself, your child, or as a gift to anyone). If you buy paper savings bonds, we mail the savings bonds to you. You can then give the gift bonds yourself to the gift recipient.

Yes. The owner can transfer EE and I Bonds to another person with a TreasuryDirect account; however, you must wait five business days after the purchase date to transfer the bonds.

?You and your spouse are each permitted to open a TreasuryDirect account. If you choose to include your wife on bonds you purchase, it is commonly referred to as a ?with? registration. You would be the primary owner and your wife would be the secondary owner. For example, ?John Doe WITH Jane Doe?.