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Premium bonds at 16 - how to manage as it’s complicated!

1 reply

Squashsyrup · 28/03/2026 09:12

Hi, I’m just wondering how anyone has gone about getting premium bonds for 16 year olds paid out into their bank account. My DS doesn’t have his own bank account as he isn’t able to manage his own money, so benefits etc get paid to me as appointee and I transfer spending money throughout the month and budget.
DS has premium bonds bought by me, not a large amount. So they will have transferred to his name at 16. I can fill in an online form and get him to sign so he then has his own log in and help him. Is this ok to do? I know I can’t get LPA until 18. The thing that complicates it is other relatives bought him premium bonds as a baby but put these in his other parent’s name who is now no contact and I have no paperwork or holders numbers etc, so don’t know how much these are worth or if they can be found and all added to his account/holder number.
Any advice would be great.

OP posts:
ChasingMoreSleep · 28/03/2026 13:25

The first questions you would need to think about would be:
Does DS have capacity to sort and manage the account with support? For example, would he understand what he is signing?
Will DS have capacity to make an LPA at 18?

Once 16, I think there is a tracing form DS could complete to trace lost bonds.

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