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 😄

Was it a 1 year savings account? If they offer another instant access, even if it's not that good a rate, look out - I usually open an account ready to move the money out and into a new FlexSaver or whatever.

Absolutely nothing for me with a holding of £30K.

Think I’m going to max out my ISA for now as it’s the second disappointing month in a row.

June is done Sighs

July

AM - Tue 30 June
LIST - wed 1 July
APP - Thur 2 July

Good luck, but I hope if they're going to send out birthday presents they do it for us all, as they missed me out in 24 and 25.

Nothing this month but my birthday is right at the end of the month, on AM day! I don't think we'll get anything more than a postie or person offering help with the state of our house. We need a PB win first, even on my still quite small holdings.

My last three months on a FH runs, £0, £50 and this month £25. Not great! Hopefully my luck improves soon…

Just £25 for me, on nearly £40,000. My Stocks and Shares ISA has returned 12.36% since March, so up nearly £800 on £18,000 (now but invested in a couple of lump sums over the three months).

I know there is a risk that this can lose money too, but worth it when I compare my £25!

Nothing for me or DC on around £24k between us!

Totally agree with this. At the end of the day your 40k is certain to lose money compared to inflation and over a 5 year plus period will be significantly behind S&S

Oops, that post turned out to make no sense at all. My fault. Apologies.

Hi can I please ask which stocks and shares ISA you are using? I need to get something sorted.
Also want to set up a LISA for the DC, pension etc. Thanks.

Just jumping on to say have a look at the Rebel Finance school run by the Donnegans. They’re not everyone’s cup of tea but it’s free on YouTube and does give you the basics to understand which investment vehicle/plan might be right for you. You’ll need to sit through the first 5 or so to get to the sexy bits on later weeks.

I got my first win this month, £50 was that because it is my birthday month?

NS&I have done a really good job on people - it’s an investment and we should be seeing getting the standard return as the norm but people see it more as a lottery with ‘wins’!

attracts the gambler in us I suppose (saying this as someone who should really move mine into an ISA but have the ‘what if…’)

I see PB as a holding place, somewhere to save the extra money I can pay off my morgage every year without penalties. It works for me because I'd pay 40% income tax on any interest earned which reduces the acceptable rate of return in my mind.

Thanks, I have been following Rebel finance a bit on Facebook. I need to watch the videos and just get my finger out and actually set things up. I just find a lot of the terminology difficult to understand!

Watch the videos and all will become clear.

Yes, as someone has already said, I have used Rebel Finance School to learn about finance and evaluate my own situation.

I already have CASH ISA’s which will not drop and I can’t lose money on. These are safe but pay less interest than the Stock’s & Shares one that could also lose money. I am happy/able to take that risk on that part of my savings.

It is important that you work through what will apply to you.

This is the place to moan about National Lottery email which started with title 'Good news about your National Lottery subscription' only to tell me it had renewed for the next year. The absolute bastards - how the heck could they be so cruel to call that Good News. Almost as bad as their messages to "log in and see what you won" when it's £5 and a lucky dip ... If I was in charge of messaging I'd be a bit more frank ... "Oh well, try again this year" and "log in over coffee to see your prize but don't rush it's no biggie"

They might be listening to you on that one @Missingducks. I got an email on Sunday telling me to log in because I had won 'a small prize'.

I'm not sure of the details but they've changed the prize structure in the last week or two, and your numbers seem to have 2 chances? but my prize was indeed small, a whole £1.

Prods @PremiumBondJovi

I feel this way about the octopus ‘spin the wheel’ and it makes me irrationally angry every time I don’t win. I just want £1 - that would make me happy!!

Fear not, @Blondeshavemorefun, I was on my way

That two weeks seems to have gone quite quickly. I wonder if the next two weeks will do the same?

Being prodded by our OP can only mean one thing: WE'RE HALF WAY THERE, FOLKS! Time for the monthly singalong, so floof up that hair, warm up those vocal cords and shake that tush, PBers:

Grabs Mike and sings 😂. Thank you @PremiumBondJovi🥰

Good luck everyone, especially @PremiumBondJovi

‘Coughs’ and me as op 😜😜

esp as I didn’t win last month

I don’t always but I do have good luck usually