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 😄

Even £25k would be life changing for some of us - paying off a mortgage or student loans, or add towards a house deposit. I would be really happy with £500.

Agree £25k would give me breathing space

and £50k would be amazing. I would def then go to max pb and hope to live off the high prizes each month I might win having full pb

I've been window shopping at houses and the ones I really love are £100K over my budget.

Not sure if it's just psychological knowing I can't afford them but a £100K win would be perfect 😆.

Good luck @Blondeshavemorefun for the next draw and job hunting. 🍀🍀🍀
Hopefully you get the £50k if not the 1mil 🙏

😘

Soo looking at the chart it’s £500k less in £25’s but all the others are more

so the money paid out is still more then in May

I'm now actively house hunting as my flat is under offer, and there isn't much coming onto the market within my budget, so a nice £100k would be very welcome.

Also, I had to have a filling today and the anaesthetic injection was bloody sore, so I deserve something nice happening!

For the small prizes, there's about 500,000 fewer of £25 but over 400,000 more of each of £50 and £100 so that's a lot of people who will win £50 or £100 instead of £25 or nothing so better odds at the lower end.

Good luck for today onwards everyone. I'm WFH today so will be in when AM calls but haven't vacuumed for way longer than is socially acceptable so if she is a Mumsnetter she will judge me very hard.

Happy AW day to all who celebrate!

I actually go to sleep working out what I’d do if I won £25k, so the fact there are more of these prizes is a bonus.

i mean if I won more I wouldn’t complain but £25k would just do me nicely.

Same, this would put me on the right road to making some much needed renovations on our house.

£25,000 and I’d drop a day a week at work.

I’m focused on paying off my mortgage so that I think about whether I want to retire at 64, because I’m knackered.

I wish they did more £50k prizes rather than two millions. £50k would reduce a lot of stress for many people right now.

Oh I was convinced that yesterday was AW/AM day - so I’m still in with a chance!! But also that means 1 more day than I thought to wait for the normal prize outcomes and here I was thinking it was tomorrow…
for my one and only month with FH (thanks to being between a house sale and purchase) the suspense is possibly going to kill me before Thursday morning!

How exciting, we're on the eve of another 2 millionaires being made (if one million is still viewed as being a millionaire these days!) I wonder if the draw actually takes place at midnight.

Good luck everyone! And if anyone does win, please come back and let us know what happens!

Happy AM Day and the very best of luck for the monthly PB rollercoaster ride to one and all of us!🙏🤞🐈‍⬛🍀

I got excited when my door knocked this morning, unfortunately, it was my Amazon delivery.

Good luck everyone!!!

I think it would be better to have just one £1 million prize and break the other one up into several larger prizes.

So, for example, one £500k, two £200k, then five £10k and fifty £1k, or even one hundred £1k prizes. So many more people would benefit.

£500k and £200k are still life-changing amounts. Not to the same extent as a million, perhaps, but any of those wins would be more than enough for most people I think.

I've never understood why they don't do this.

What would people do if they won a million

Retire early and pay the tuition fees of my children so they don’t start life with those loans.

If I won the £1m I would:
Pay off the mortgage.
We’re in our 50s with pensions starting to kick in from 60, so we’d both retire now and use the winnings until then.
Pay Uni for the children so they don’t have loans and for house deposits for them.

While there aren't any £500k or £200k prizes, there's already 83 £100k prizes, 167 £50k prizes and many thousands/millions of smaller prizes.

Part of the attraction for many is the £1M prizes, so I think they should stay. Perhaps even reduce the middle tier prizes to allow the number of £1M prizes to increase to five.

🤔 potentially share between me and my 2 grown up children

I’ve never understood why they don’t redistribute the pot of prizes. Nobody seriously thinks they’ve got a good chance of winning a million pounds! Better distribution would mean more people buying bonds.

I’m all for at least twice a year no millions but lots of say £10,000 prizes.