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 😄

Awesome @Guest385💪

Nothing on the blue app for me, and nothing on the HVW list for any of the fish family. I will have to postpone my retirement plans for another month.

I saw that @DobcatyI assume the date is the first month they are eligible as opposed to the date they were purchased.

Oh that’s amazing. How did you manage that? I get really really excited about it, I was lucky enough to see a rocket launched at Kennedy about 16/17 years ago. Although you’re more than 10-miles away, the whole ground around you thunders and rumbles.

Godspeed Artemis II (along with @TheWeeDonkeyFella aboard in name!)

And good luck all as the App turns at midnight 🤞

£50 and £100 showing for me on blue app now

2 x £100 and 1 x £ 25 already showing in blue app

£100 and £25 showing on blue app pending.

Why are there different coloured apps? Is there a way I can check them online - I have no storage on my phone to download any new apps...

The cream app is the prize checker. The blue app is the account details. You will only see a prize on the blue app if you have set your prizes to be reinvested.

£25 on the blue app for me 💪

£50 pending on blue app!

Via NASA @JellyBeanSpring25. When they launch new missions they usually stick a chip engraved with Earthling names onboard and you just register your name. It's a bit of fun, especially for getting kids interested in science too. I'm currently also roaming around Mars aboard Perseverance! 👽 😆 Lucky you experiencing a real launch though, very exciting.

Good luck all, hope lots of our thread gang are over the moon tonight!

@Brooklyn70 Within a few days of any win I get an email from pre-bonds telling me I've won and my prize will be paid in a few days (I've read others receive a text, but I don't). Can you check back through your emails for any notifications?

I wondered if that was to do with the bereavement claims and its people who've just inherited bonds they should have received some time ago?

The holdings are tiny because they were bought decades ago when you could buy individual bonds.

Love your username!

£100 pending on the blue app

I've got a £100 win showing. This is my first win since I started buying Premium Bonds a few years ago - bits here and there to rebuild my savings.

My first ever (and only, to date!) prize years ago arrived on my great-grandad's birthday. It was £50 from a £10 bond bought when I was a newborn. Today is my great-grandma's birthday. I am utterly thrilled.

I didn’t spot that 😅

But if they’re eligible from April then it shouldn’t be in this draw which was the bonds for March, isn’t it? Don’t take it wrong, I’m happy they have won specially its a really small amount, I was just curious and I rather investigate this than study for my exam 😂

£100 pending in the blue app for me!

Can someone check my numbers on their blue app?! I want to know if I won anything but also want to go to bed and don't think I can stay up til 12 haha

@TheWeeDonkeyFella thanks. i’ve had my posts removed because i managed to log into the NS&I website and realised that prizes were being paid into an old savings account. phew!!!

i’ve now changed it to auto invest.

That's not how it works sorry. You can only see results "early" if you have it set to reinvest your winnings and even then it's not that reliable.

You either have to wait up or get your results in the morning.

I had the picture up to yesterday, won £25 last month on FH, picture not there today so maybe 0 this month?

Sone people have said in the past they’ve seen reinvested wins on the website the day before all results are published, so try logging in there.