PREMIUM BONDS APRIL 2026 (title edited by MNHQ at request of OP)

[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://pbprizes.com/calculator/

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 😄

£25. Pretty shit to get £25 over 3 months. I am so unlucky with these!

£175 between all of us: 2 x £50 and 3 x £25. It isn't going to set the world on fire which is what we need, but better than last month's absolutely nothing.

I won £200 and DH won £25. We both have around £32K each.

Happy with that😁

When you win £1800 and are so excited but to then wake up and it was all a dream 😩

Just checked for real, I won £100
on FH so better than nothing. But not £1800! 🙈

2x25 on £47ishk.

£75 across too prizes which is nice

£225 with 3 prizes on FH - v. happy with that.

Nothing on just under 7k see you next month

£250 on 2 x FH. Better than nothing.

Nothing yet again and I'm sick of it. Money makes money. Most of the prizes go to people with maximum holdings who have got so much spare money as it is. It won't make the slightest difference to them. I get so annoyed every month. I've just a few thousand in PBs and I might as well not bother. Even a £1000 win would mean everything at the moment to me.

Nothing again. Nothing in 2026 so far on £15000 holdings. Time to get rid?

Cue someone posting their £50,000 win (do you think that was someone from the PB marketing committee?? I’m starting to wonder).

It's so depressing to those of us who can only have a small amount in PBs. To just casually have 50k each and then big wins. Money makes money alright.

£500 on FH. Only my second month too so very happy with that - won £125 in February.

£325 on FH which i’m pleased about as it’s my biggest one for ages

Darn.Nothing. And I dreamed £21,500 too and woke up excited for a second.

Just £25. Disappointing

£125 here.
Not at all life-changing, but very nice all the same.

Most of the prizes go to people with maximum holdings who have got so much spare money as it is. It won't make the slightest difference to them.

With respect, you know nothing about these people, how they came to have this 'spare money', or the difference a win would make to them.

If you are frustrated there are other ways to save and invest.

£75 on £38.8k, so below expected average. My APR for the past 6 months is 2.52%. I’m continuing to draw down to invest elsewhere—£3.3k this month—I can see on my banking app that it will clear tomorrow.

£25 on £36k -just £50 over last 4 months which is our worst return for years. We are giving it till June and then moving most of it out.

It’s my first month back after a few years out. I won £100 on a £25k holding. May have to withdraw most of it again before the next draw.

£100 from 2 prizes, best this year and will take me over 20k. Look forward to getting to 23k then statistically should win every month.

Good luck everyone 🤞

Nothing for me on £3k, I’ve only won £25 in over a year so think it’s time for me to pull it out unfortunately

I have a very small amount in PB. I had just £775 invested for Feb draw and won £50. Nothing for this month though. Let’s see what next month brings

I can understand to a degree with how @dailyconniptions is feeling. When I was on £4K holdings for nearly two years used to feel frustrated looking through the HVP list seeing most of the holders had holdings of five figures each, also on these threads seeing the big holders win big amounts (but at the same time happy for everyone who won). It’s true, money does indeed make money, in any context.

Anyway - £125 in total for me this month on FH across three prizes.

£75 on £30k

nothing for dcs who have just a couple of thousand each.