PREMIUM BONDS DEC/JAN 2026

[Blondeshavemorefun]

PB have been about since 1957
Been 30yrs (April 2024) since a million was then the highest prize
nsandi-corporate.com/news-research/news/30-years-premium-bonds-ps1-million-jackpots#
Each bond is £1. You have to buy in minimum of £25 so means 25 chances to win every purchase - years ago you could buy £1 at a time.

Odds of winning £1 million on Premium Bonds at face value are 1 in 2,489,469,818 if you have £25 in PBs.
However most people have more than £25 so the odds depend on how much you do hold.

If you have £100 the odds in any given month are 1 in 49,563,028
£1,000 in PB the odds are 1 in 4,954,991
£50,000 in PB the odds are 1 in 96,839
To win anything odds are 1 in 22000
So providing you have more than £100 you have better odds than winning the lottery 😄
And obviously far better than the lottery - you don’t lose your stake !!!!!!

Bonds have to be in for a clear month before going into the draw
If you want to cash bonds in then usually takes 3 days to go into your account

Winnings can be reinvested if holdings are under £50k

This means they will go into the next months draw without losing a month
Or sent to named bank account if winnings take over FH /want winnings in bank account
More info here
www.moneyhelper.org.uk/en/savings/types-of-savings/premium-bonds

The best time to buy premium bonds is on the last day of the month, as this means they are only held by NSI for one month and one day, without being entered into the prize draw.

Martin Lewis’s opinion on pb - quite an interesting read
https://www.saga.co.uk/money-news/premium-bonds
PB to me is the fun and thrill each month of what if I win big and a millionaire - to then hoping win thousands to a day or two later being grateful if win £25😂

I have nowhere near the maximum and probably never will unless I win £50k + on pb

But only takes one £1 to win that million !!!

I love seeing the low holdings win high amounts

We've seen over the years £100 holding win a million (March 25) also a £100 holding win £100k and £50 win £25k and even £1 won £10k

Maximum is £50k per person so some do have all for family- mum dad and 2 kids so £200k etx

Those on the thread are varying from few hundred /few thousand - to 20/30k to full holdings of £50k

Everyone is welcome to join in whether small or full holdings

One would expect if had full holdings of £50k to win something every month and think over the year to earn the same as if in a high interest account to win around £1800 in prizes at 3.6%

If have £5k average luck is £175 winnings a year

If have £1.5k average luck is £25 once a year

Obviously some people have better 'luck' than others and some worse - Ie full holdings and not winning anything a month or two or even longer

PB odds calculator below

https://moneymarvel.co.uk/calculators/premium-bonds/

shows the interest rate of the winnings - obv anything over 4% is good as if in an account you wouid be taxed so be more like 3%)

In August 2023, we had the highest 4.65% But it has been steadily falling since, and of August 2025 it’s 3.6 %

Estimated prizes in August compared to June:
£1m - same
£100k - 4 less
£50k - 8 less
£25k - 15 less
£10k - 38 less
£5k - 78 less
£1k - 780 less
£500 - 2340 less
£100 and £50 - 16,5872 less each

But

£25 - 371,737 more.

So many of us may win £25 from August but means the higher value prizes are way less 🙀😢

https://www.liverpoolecho.co.uk/news/cost-of-living/nsi-premium-bonds-rate-changes-31317737

From google (august 2023) - The consistent winners are the 1.16 million people who have the maximum £50,000.

They hold almost half of all premium bonds and, at current odds of 1/22000 can expect a monthly stream of tax-free prizes: two a month and three almost every other month, 28 or 29 a year totaling £1800 (3.6% interest on £50k)
From google (Jan 2024) Tho equally With Premium Bonds, for every person who wins £1 million, a lot of people have to win nothing. So the median average will always be lower than the mean average.

This means that, with average luck, most people will win less than the prize rate each year, regardless of how many bonds they hold

To work out your own personal % rate

Winnings divided by amount have x 100

So say over the year 450 on fh ,1700 on fh and £25 on £1000

450 / 50000 x 100 =.9% so bad

1700/50000 x 100=3.4% so good

25/1000x100=2.5% so an average return

But many on here do have £50k and then consider moving it to an account that pays 4% if their bonds aren't doing very well as would then def get extra money

But remember savings /interest get taxed
PB and their winnings don't
So anything over 3% in winnings is considered good.

People dither whether to pull out from pb and put in high interest account if not winning anything so that they will def earn x amount of interest

But then lose the what if won a million or £100k

If you have PB but not sure if you have ever won esp if moved about a lot
you can write to NS&I. Include these details in the letter:
Current name

Current address

Premium Bond holder number& date of birth

All previous addresses where you might have registered bonds

Your signature

You can send your letter to:
NS&I
Sunderland
SR43 2SB.

There are 2 apps afaik
Cream - prize checker and if won previous month will show a pic - which we all get excited over 😂😂😂

Blue - the app its self works but the showing early often doesn't work for me but those who reinvest their winnings say it shows if won the day before app shows 🙀🙀🙀

Seems the higher the winnings the earlier it shows and can be from 6pm the night before the app shows
And to confuse things I have a White app that is a bookmark - which shows info/list 😄😄😄

Now this has been debated on MANY times but seems to be correct
When do we find out if going to get a visit from AM 😂

The two winners of the £1million prizes will be contacted by Agent Million (AM) 😂😂 the day before the first working day of the corresponding month.

There may however be exceptions to this, such as when the first working day of the month is a bank holiday, for example.

So
AM - Day before first working day - Millionaire knock /call
LIST - First day of working month showing all winners million to £1k winners - which I always put up for those who can't find it
APP - Day after first working day , including weekends - cream app showing all winnings

You can also check to see if have won via this link with your holders number
www.nsandi.com/prize-checker

Hopefully I've covered everything
Good luck one and all 😄

Yes, the official checker only works on the same day as all the results are release.

You need to either check the table yourself, or use a third party tool like pbprizes.

In my opinion, pbprizes is the best one out there as it's always available at midnight as it scans the official NS&I excel spreadsheet which gives £1,000+ winners, whereas the table posted on the NS&I website only does £5,000+

The list I put up shows to 1000 to million

There is a small amount same as my grandson which is a little big prize. I’m sure it’s not him but will check his numbers …..

nothing for me

The table is from the official NS&I spreadsheet. If you download it you can see the prizes of £1K.

In a completely shocking turn of events I am not on the high winners list again

Me neither, Wolfcub.
Was soooo hoping to win 100k!!

When it refers to the holding each person has on the HVL, is that for all bonds held or just those eligible?

I’ve kept my holdings under 50k so new bonds can be bought each month with any winnings so I’m not sure if they are included in the list as part of my total holdings if I did happen to win a prize on it or just those eligible for that draw (if this makes sense!).

Wouldn't Agent Millionaire be a great name for a cat.

It’s the amount you have. Not winnings added

Morning!
when will I find out if I’ve won anything?
checked apps and just shows my FH.
thank you ♥️

All results will be on the prize checker app from midnight.

The high value winners list has been published, but you are most likely to see a prize tomorrow (antim after midnight)

Thanks!
so tomorrow then?

Yes although you can see prizes of £1K on the HVP list - maybe look at that first?

So I’m having a very dumb moment. How do I work out ehat my rate was for last year please?

I know how much I hold and how much I’ve won but just can’t quite get the old brain fog to manoeuvre out of the way.

Same. <1%. I had to take out car finance when I bought a car in December, as the dealerships don’t want cash buyers anymore—the best prices come with finance. I withdrew £8.2k from PBs today to wrap up my final car finance payment—no point in holding onto a 7.9% loan when I have £47k on <1%.

Well it’s not a shocker to find I’m not on the list, neither are DH or DD…although a surprisingly large number of big prize winners from our area. Sigh.

However I did win a competition for tickets for a sold out gig DD wants to go to, so I’ll take that for the time being. And there’s always the Omaze house 😂

Was frustrated by that too last year. I get it, they get kickbacls from finance companies, but ffs.
I felt like time traveller from times gone past asking "whatdaya mean cash means nothing and no discount".

Divide your winnings for the full year by your holdings. Multiply that answer by 100 to give you your percentage return.

I’d really like this months Omaze house!

I always like seeing the big wins on small holdings. I think there was 25k on £25 total bonds!

It’s in my opening post

winnings divided by amount have x 100

so if won 500 on £30k it would be 1.6%

FH should win 1800 for 3.6% as not taxed

where if got that via interest would lose a chunk to tax in an account

£10 holdings won £10k

had them for 46yrs. Maybe have never won

Felt certain it was MY month for a big prize, that a nice £10K or something was coming my way. Checked the list - nothing! This is why I don't gamble! 😂

Yes…you have to just nod along when they witter on about 36 months of payments, whilst thinking to yourself that it’ll be paid off in 60 days.