PREMIUM BONDS MAY/JUNE 2026

[Blondeshavemorefun]

PB have been about since 1957
Been 30yrs (April 2024) since a million was then the highest prize

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 with £25 bonds are

1 in 2,737,857,636 - but 2 people have to win it every month so ……

To win anything odds are 1 in 23000

So providing you have more than £100 you have better odds winning something from pb than winning the lottery 😄

And obviously far better than the lottery - you don’t lose your stake !!!!!!

https://www.saga.co.uk/money-news/premium-bonds

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.

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 !!! Or in fact any prize

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

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 3.30% 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 April 2026 it’s 3.3 %

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 1/2300 can expect a monthly stream of tax-free prizes: two a month and three almost every other month, 28 or 29 a year totaling £1650 (3.3% interest on £50k)

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

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 😄

@WhatWouldDianeLockhartDo You
need a current account and either a savings account which had at least £100 in it on the 31st march or a mortgage with them from what I can remember from reading to qualify for the £100 fairer share scheme. 😊

Oh no! I moved all my savings out last year. Gutted I’ve messed up there.

Fingers crossed you win at least £100 in the next PB draw 😊

I missed out on the Nationwide £100 thing despite having 3 different savings accounts with them.

@DaydreamerBettyfingers crossed for the million but I’ll happily take £100.

@SwedishEdith that’s even more frustrating.

I only stayed with them to wait for that. I normally change bank accounts every so often to get a joining bonus so I’ll get looking for my next bank.

Maybe there are strategically placed AMs all over the world? Then they can just get in touch with the nearest AM and give them the address?

Oh the end of the month has crept up on me! Good luck everyone

Good luck everyone!

Is it tomorrow night winnings might start showing in the blue app, and tonight that the high value winners list is published?

The dates always confuse me

As a newby to this thread, but not new to having PBs, can I ask what the acronyms like AM and HPV mean please?

AM - Agent millionaire - apparently she/he shows up in person the day before to tell you that you’ve won.
HPV - High prize value?

Agent millionaire and high value prize.

Yes. I will put the list up at Midnight

@SwedishEdith you have to withdraw money and have some going in, in marcj

AM has not visited me today 🧐

Or me sadly, probably a good thing for them as I was so hot I was wandering around in just my pants, but I would have liked the money. Fingers crossed :)

Just looking down the list of winners for May ordered by purchase date and seeing 3 £100k and 11 £50k winners on PB's bought in the last 5 months really puts my 2.72% winnings over the last year into perspective! I've won nothing in the last 2 months too. I expected less as a year ago I reduced my holdings from ~£35k by £10k and I doubt I'll win anything this month so I'll be reducing my holdings to £10k.

84% of all the prizes are £25 or £50. Even with £50k holdings most people with average luck won't win the 3.3% average quoted ATM... the average user with average holdings will win 1.17%. That's with thinking about isn't it?

The rates are going up to 3.8% from July but honestly they should be something like 5% at least IMHO. My SIPP and ISA, even with the Iran conflict going on, are performing way better than the premium bonds. My SIPP is up 7.44% from Jan 1st and my S&S ISA up 8.45% and would have been higher without the Iran conflict... I guess I'm like most people and hoped I'd get lucky but the reality is a hard slap in the face... clearly it's better to invest than to gamble.

Good luck one and all

https://www.nsandi.com/files/asset/xlsx/prize-june-2026.xlsx

£270 won £100k

£50 won £25k

£10 won £10k

Not on the list, bedtime I guess! Good luck to everyone for tomorrow night!

A couple of lovely £10k prizes from small holdings too - one a £10 holding and the other a £5 bond from a £155 holding.

Good luck everyone.

IMO, Premium Bonds are only really the best option if you're a higher/additional rate tax payer and have cash you need to park somewhere that's easy access and where interest (winnings) are tax free (eg: emergency fund money).

In other cases, I think savings accounts or S&S ISAs offer far better returns. Premium bonds are fun though!

You needed to also move £500 in each month as well as have a couple of transactions going out for 2 out of the first 3 months of the year so did require some active usage (plus it wasn’t guaranteed so it could have all been in vain). Good luck with the PBs instead 🤞

www.moneysavingexpert.com/news/2026/01/nationwide-fairer-share-how-to/

Regrettably any bell ringing went on far away in Leeds and Cheshire. I'm holding on to the IH and IE for as long as possible by not checking the rest of the HVW list. I'm going to save myself for the full results on Tuesday morning. Good luck to one and all of us! 🙏🍀🤞🐈‍⬛

Nothing on the hvw list for me fingers crossed for tomorrow

In the savings or any account? My salary goes in and then my direct debits and bills go out but all disposable spending and saving gets done elsewhere. It’s active but clearly not active enough 😭