Premium bond prize checker

Table of Contents

What information do I need to check if I have won a prize?

You can use your holder’s number or your NS&I number.

Using your holder’s number

You can use your holder’s number on the prize checker on our website and in our prize checker app.

All your Premium Bonds are grouped under a unique holder’s number.

You can find your holder’s number on your Bond record or by logging into our online service. Your holder’s number has either 10 or 9 digits, or 8 digits followed by a letter.

Login / Register

Or write to us and ask for a Bond record. This will show all the Bonds you hold as well as your holder’s number and your NS&I number.

Write to us

Using your NS&I number

You can only use your NS&I number to check if you have won a prize using our Premium Bonds prize checker app available on iOS or Android.

If you have an NS&I number, you’ll find it on most communications you’ve had from us. It is 11 digits long and starts with an 11, 21, 31 or 41.

I only know my Bond number(s) or I have lost my documents

Sorry, you can’t use your Bond number(s) to check if you have won a prize. However you can write to us and ask for a Bond record. This will show all the Bonds you hold as well as your holder’s number and your NS&I number.

Write to us

Are you one of this month’s lucky Premium Bonds winners? You could have won anything from £25 to the £1 million jackpot!
NS&I’s official Premium Bonds prize checker tells you instantly. It will:
• Allow you to check the latest available prize draw results for you using your NS&I number or holder’s number
• Store multiple NS&I and holder’s numbers so you can check your family’s Bonds as well
• Allow you to enter a name for each stored number, to help you easily identify whose results you are checking
• Check if you have any unclaimed prizes waiting for you
• Give you a countdown to the next available results
If you have NS&I Premium Bonds then use our FREE app to see whether you’ve won a prize in this month’s draw, or in the last six months. Just type in your NS&I number or holder’s number and see if you’ve won.
Remember that if your device is used by someone else (with or without your permission) and you have not set up a PIN, they will be able to see any information shown by the app, including the value of any prizes.
Before you download this app, please read the full terms of use at https://nsandi.com/prize-checker-app#terms

National Savings and Investment products

National Savings and Investments (NS&I)

National Savings and Investments (NS&I) is an executive agency of the Chancellor of the Exchequer. The money invested in NS&I products is used by HM Treasury to cost-effectively manage the national debt by contributing to the government’s financing needs.

  • About National Savings and Investments (NS&I)

Income Bonds

Income Bonds offer a type of investment that pays interest regularly to the holder. You can invest from £500 up to £1million per person in total, across all your Income Bonds accounts. And, you can get your money back whenever you want, with no notice and no penalties.

Interest is paid monthly straight into your bank or building society account. Interest rates are variable.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

  • Income Bonds – National Savings and Investment (NS&I) website

Premium Bonds

Anyone aged 16 or over can buy Premium Bonds. Parents, legal guardians and (great) grandparents can invest on behalf of their child or grandchild aged under 16.

You can invest from £25 up to £50,000 in total.

Premium Bonds don’t pay any interest. Instead your Bonds enter a monthly prize draw for a chance to win tax-free prizes.

Premium Bonds – the prize draw

More than two million prizes are paid out every month to lucky Bond holders whose numbers are generated completely at random.

You get a unique Bond number for every £1 you invest. Every number has a separate and equal chance each month of winning a prize.

Prizes range from £25 to £1 million and are all tax-free.

You can find out more, apply online, or if you have Premium Bonds find out if you’ve won at the National Savings and Investment (NS&I) website.

  • Premium Bonds – National Savings and Investment (NS&I) website
  • Prize checker – National Savings and Investment (NS&I) website

Direct Saver

Direct Saver offers you the convenience of managing your account online and by phone. You can pay in or take out money whenever you want, with no notice and no penalties.

Anyone aged 16 or over can open an account, either individually or jointly with someone else.

You can save from £1 up to £2 million per person.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

  • Direct Saver – National Savings and Investment (NS&I) website

Direct ISA

Direct ISA offers you a straightforward and secure way to save tax-free and manage your account online and by phone.

Anyone aged 16 or over who is resident in the UK for tax purposes can open an account. Save from just £1 up to £20,000 in the 2019/20 tax year.

We only offer a cash ISA, not a stocks and shares ISA or innovative finance ISA.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

  • Direct ISA – National Savings and Investment (NS&I) website

Junior ISA

A Junior ISA is suitable for anyone who wants to make a long-term, tax-free investment for a child’s future.

Parents, legal guardians and (great) grandparents can invest on behalf of their child or grandchild aged under 16.

Invest from £1 up to £4,368 (Taxyear 2019/20) per Issue for each child.

You can find out more and apply online at the National Savings and Investment (NS&I) website.

  • Junior ISA – National Savings and Investment (NS&I) website

Investment Accounts

Anyone aged 16 or over can open an Investment Account, either by yourself or jointly with someone else.

You can have more than one account. You can save from £20 up to £1 million per person in total, across all your Investment Accounts.

You can also invest in trust on behalf of someone else (called the ‘beneficiary’). Trustees need to use a different application form.

Only a parent, guardian, grandparent or great-grandparent will be able to open an account and make deposits for a child.

Until the child’s 16th birthday the parent or guardian nominated on the application looks after the account and we’ll send all correspondence to them.

You can find out more on the National Savings and Investment (NS&I) website.

  • Investment Accounts – National Savings and Investment (NS&I) website

Index-linked Savings Certificates

When you invest in an Index-linked Savings Certificate you agree to keep it until the end of the term. National Savings and Investment will write to you around 30 days before that date to let you know your options.

If you have a certificate maturing soon, find out more from the NS&I website.

  • Index-linked Savings Certificates – National Savings and Investment (NS&I) website

Buying Premium Bonds from NS&I couldn’t be simpler: you can do so online, by phone or by post – whether you live in the UK or abroad, or even if you want to buy for someone else as a gift (or their children).

How to buy Premium Bonds

Millions of Brits buy Premium Bonds every year, which are offered by the Government-backed National Savings and Investments (NS&I).

Rather than paying interest, you’re entered into a monthly prize draw where you can win tax-free prizes worth up to £1 million each.

Your odds of winning any Premium Bond prize are 24,500 to one.

This isn’t the account for you if you’re looking to earn a regular income – most people will only ever earn a small amount as a percentage of what they contribute.

Premium Bonds: how to cash them in and withdraw your money

How to apply for Premium Bonds

It’s easy to buy Premium Bonds, all you have to do is apply through the National Savings & Investments website.

Alternatively, you can apply over the phone by calling 08085 007 007 or +44 1253 832007.

They can even be purchased for children under 16, say if you wanted to buy for a niece, nephew or simply a friend’s child (more on this later).

The only requirement is that their parents/guardians will need to be nominated to look after the funds until they turn 16.

You’ll get a unique bond number for every £1 you invest. After you’ve had them for a full month, they’ll be included in the draw.

All you need is £25, but you can invest up to £50,000.

Already bought some bonds? Check if you’re a big-money winner in the most recent draw.

I live outside the UK. Could I still get Premium Bonds?

The first thing you should do is check whether local regulations allow you to hold Premium Bonds. Strict gambling and lottery laws in the US mean that it might not be possible or practical to hold Premium Bonds while you’re there.

If you’re in a country which allows you to hold them, you’ll have to make your initial application by post. Once your holding has been set up you can register for NS&I’s online or phone service.

From there you can manage your account online or by phone (if you don’t mind the charges) – that includes buying more bonds or cashing them in.

Your other option is to receive prizes by BACS to a UK bank or building society account or an NS&I Direct Saver or Investment Account (you’ll be notified of changes by email) and paperless documents.

Fancy going for a different investment? Head over to the loveMONEY investment centre to find the right one for you (capital at risk)

Bonds can only be bought online or by phone using a personal debit card issued by a UK bank or building society. But wherever else you live in the world, prizes will be paid out in pound sterling.

Can I buy Premium Bonds for a child, even if they aren’t family?

You can.

Until the child reaches the age of 16, the parent or guardian nominated on the application takes care of the bonds, no matter who buys them.

The nominated person will be sent the bond record, any prizes won as well as payment for cashed in bonds until the child turns 16.

Previously, grandparents and great-grandparents were the only other group able to purchase Premium Bonds for kids, but these rules have been relaxed so you can now buy them for any child regardless of relation.

You can either buy Premium Bonds for kids online by visiting this NS&I gift page or by post: fill in this form from the NS&I website and post it on to:

NS&I
Glasgow
G58 1SB

If you encounter any problems getting Premium Bonds, phone NS&I, send an email or tweet @Nsandihelp.

What are premium bonds?

Premium bonds are a National Savings & Investments (NS&I) product, where each £1 you invest is given a unique number, and all numbers are put into a draw each month to win cash prizes.

For the chance to win a prize – all of which are tax-free and worth £25 to £1m – you forfeit an interest rate.

So, while your cash won’t be growing while it’s invested, you are in with a chance of winning up to £1m – but, as it’s a lottery, there is also a chance you could win nothing at all, and your cash isn’t protected from the reductive effects of inflation.

You can buy premium bonds on behalf of children, grandchildren or great-grandchildren up to the age of 16.

NS&I is backed by the Treasury, so 100% of your money is safe.

Find out more: what is National Savings & Investments?

Video: Are premium bonds worth buying?

Our video explains how premium bonds work, and what you need to bear in mind before investing.

How do I buy premium bonds?

You can buy premium bonds from NS&I online, by phone, by bank transfer or through the post.

If you already hold premium bonds, you’ll be asked for your holder’s number.

If you’ve never invested before, NS&I will check your identity and address – you may need to provide proof of both of these.

Each investment must be at least £25. You can only invest amounts in whole pounds.

The maximum investment is £50,000 – any numbers over £50,000 won’t be eligible to win prizes. If these numbers win prizes in error, NS&I has the right the reclaim the prize.

Buying premium bonds for children

If you’re a parent, legal guardian or grandparent, you can buy bonds on behalf of your child, grandchild or great-grandchild aged under 16 either online or by phone.

The parent or guardian who’s been nominated on the application will have to look after the bond until the child turns 16.

Once the child reaches the age of 16, NS&I will send a letter detailing how the bonds can be managed. They should print and send a registration form, and may have to get their signature witnessed and sent in, too.

Once they’ve been registered, they’ll receive their own NS&I number and password, and can gain control of the premium bonds bought for them.

If you live outside the UK

If you live outside of the UK, you can apply for premium bonds by post and winnings to be paid into an international bank account.

You’ll need to send proof of identity and your Tax Identification Number. Check local regulations first, though, as not every country allows you to buy and hold premium bonds.

Each investment must be at least £25. You can only invest amounts in whole pounds.

The maximum investment is £50,000 – any numbers over £50,000 won’t be eligible to win prizes. If these numbers win prizes in error, NS&I has the right the reclaim the prize.

How much interest do premium bonds pay?

The annual prize fund interest rate rose to 1.4% in December 2017, but premiums bonds don’t actually pay any interest on the money you save.

Instead, working out the average probability of winning prizes, spread across every £1 prize and how much money is up for grabs, an average rate of 1.4% has been calculated.

So, while ‘lucky’ people might earn the equivalent of 1.4%, or more, the average person will earn less than this, or nothing at all.

Monthly prizes start at £25 and there are two £1m monthly jackpots. The total prize pool is varied month-by-month – though the number of prizes awarded increased sharply in December 2017.

Who is ‘Ernie’?

The NS&I’s computer – Ernie (Electronic Random Number Indicator Equipment) – generates random numbers that are then matched against eligible bond numbers to determine the winners.

Landing a prize is essentially a lottery, so you could hit the jackpot, or never win a single prize, but the odds of each £1 bond number winning a prize are currently 24,500 to 1.

The graph below shows how likely you are to win a prize over 12 months, comparing odds if you have £100 in premium bonds, up to the maximum of £50,000.

If you hold £10,000 or more in premium bonds, you’re likely to win at least one prize (£25 upwards) during a period of 12 months.

But, if you only bag the smallest prize once, that’s the equivalent of just 0.25% interest over the year. And even with odds at 99%, there is no guarantee of winning anything at all.

Do I have to declare premium bond prizes on a tax return?

No. Any winnings are tax-free and aren’t counted as part of your taxable income, so you don’t have to declare them.

However, thanks to the personal savings allowance – allowing basic-rate taxpayers to earn £1,000 of interest a year tax-free, while higher-rate taxpayers can earn £500 – paying tax on savings interest isn’t something most people need to worry about anyway.

Find out more: personal savings allowance and tax on savings interest

How can I find out if I’ve won a premium bond prize each month?

Prize winners are normally notified in writing (or in person if they have won the £1m jackpot).

You can check for recent and ‘missed’ prizes on the NS&I website by entering your bond holder’s number and selecting which month you want to check.

If you have lost track of old bonds, there is a free tracing service there, too.

You can choose for your prizes to be paid directly into your bank account, or automatically reinvested into more premium bonds.

Are old premium bonds ignored in the prize draw?

No. All bonds are eligible for each month’s draw, regardless of their date of issue (provided you have held them for a full calendar month following the month you bought them). A bond purchased in 1959 won the jackpot in July 2004.

It’s true that more recent bonds win more often, but that is because there are more of these in circulation. Premium bond sales soared after the top prize was increased to £1m in 1994.

How safe are premium bonds?

NS&I is backed by the Treasury, so 100% of your original investment is safe, and you can get it back at any time.

However, you may not win enough in prize money to protect your savings from inflation.

Other investments, such as NS&I index-linked savings certificates, offer a more certain, if fairly low, return – but they’re unlikely to make you a millionaire, of course.

How do I find lost premium bonds and unclaimed prizes?

With £54m in unclaimed premium bond prizes, it’s worth checking that you haven’t missed out on a prize. There’s no time limit for claims. NS&I attempts to contact all winners, but can only do so if they have their current contact details.

If you know your holder’s number, you can check using the online premium bonds prize checker.

If you don’t have any documentation, but believe you have some premium bonds, then you can use the NS&I tracing service. You can use the same form to check whether a deceased investor had any premium bonds.

You will need to provide information such as your date of birth, previous addresses and the name of the person who bought the bond.

Alternatively, you can use mylostaccount.org.uk to do a search.

NS&I will never deactivate a premium bond without a customer’s authority. Even if NS&I doesn’t communicate with you for years, the premium bond will remain open and will be entered into prize draws.

Find out more: how to find lost bank and savings accounts

Can I inherit premium bonds from my parents?

Premium bonds can’t be transferred, but their value does form part of the estate of the deceased.

Executors can claim premium bond funds from NS&I by completing this claim form or by post from National Savings and Investments, Glasgow, G58 1SB.

How do I cash in premium bonds or close my account?

You can cash in some, or all, of your premium bonds at any time, without penalty.

If you originally applied for the bonds online or by telephone you can simply log in to your account at www.nsandi.com or call 08085 007 007 to arrange this.

The oldest bonds will be cashed in first and the money will be paid into your nominated bank account within around three working days.

You can also make a claim by post using this premium bonds cash in form, with the option to cash in a specific set of your bond numbers if you wish.

It takes around eight working days to process the request and transfer the money into your nominated account.

Should I put my savings into premium bonds?

Premium bonds are hugely popular. Despite the fact that premium bonds don’t offer any guarantees, and the odds of winning big are very small, premium bonds remain popular.

Around 21 million people hold a total of £63bn in premium bonds. Here’s a regional breakdown:

Premium bonds offer the thrill of a flutter without the risk of losing your original stake, but they don’t offer a guaranteed return so they aren’t suitable if you want to generate a reliable income from your savings.

Over the years, your money could be eroded by inflation if you don’t win regularly, so we wouldn’t recommend that you put all of your money into them. It’s much better to spread your money across other savings options.

If you decide you’d rather earn guaranteed interest with a savings account or cash Isa, Which? Money Compare lets you search hundreds of accounts, so you can find a good home for your nest egg.

We also combine this with our unique customer scores that show you how well the providers featured are likely to treat you in the long run.

What are Premium Bonds?

Could Premium Bonds be better than a savings account?

Having a savings account is important. It means you’ll have some money set aside in case of an emergency.

But the rates offered on savings these days are fairly poor. Presented with such low rates, many people may not see the point of saving at all.

However, if you do not have a savings safety net in place, you’ll find it much harder to deal with any sudden spending requirements that crop up, such as a new boiler or car repairs.

Premium Bonds are a potentially attractive method of saving. At the very least, it’s good to keep savings separate from your current account. That way, you’re not tempted to spend the ‘extra’ cash on things you don’t need.

Premium Bonds offer you the chance to win up to £1 million with no risk of losing money. But they don’t pay interest either.

What are they and how do they work?

  1. 1

    What is a Premium Bond?

    A Premium Bond is a type of bond that is issued by National Savings & Investments (NS&I). NS&I is a state-owned savings bank. It offers various accounts such as ISAs and other savings and investments products.

    Bonds are worth £1 each, though you need to initially invest at least £100. Bonds can be bought in units of £10 after the first £100 paid into the account.

    Each Bond has a unique number that is entered into monthly prize draws. Each Bond has an equal chance of winning a tax-free prize, but you can increase your chances of winning by holding more entries. The top prize is £1 million.

    Someone who has £100 in Bonds would have 100 entries to the draw. Someone with £10,000 would have 10,000 entries to the draw.

    The draw takes place monthly, and numbers are drawn by a random number generator called ERNIE. That’s short for Electronic Random Number Indicator Equipment.

  2. 2

    How much can I invest?

    You can hold Bonds worth up to £50,000.

    So you can own a maximum of 50,000 entries in the draw.

  3. 3

    How do I buy Premium Bonds?

    You can sign up to buy Premium Bonds with NS&I. You can apply online. They will then send you a letter to confirm that they’ve opened your account.

    Do you already have a Premium Bonds account but no online account? You’ll need to fill in a registration form then post it to NS&I.

    You can request to sell your Bonds via the website, which will result in a cash payment for them. Each Bond is always worth £1.

    It might take a couple of business days to process a withdrawal request. But there’s no penalty for making a withdrawal at any time.

  4. 4

    What prizes are on offer?

    There are two prizes of £1 million each month, two £100,000 prizes, six £50,000 prizes and nine £25,000 prizes. There are lots of smaller prizes, with over 2,000,000 £25 prizes given away each month. To see a full breakdown, see NS&I’s prize table.

    Each Bond is an individual entry to the draw. This means that it is possible to win more than one prize in a month.

    Prize values can change over time, as can the number of prizes on offer for each band of prizes.

  5. 5

    What if I don’t win anything?

    While you might win a massive cash prize, there’s no guarantee that you will ever win anything.

    You could hold £50,000 in Premium Bonds for fifty years and never win a penny. Or you might win a decent prize every month, or even hit the jackpot twice. It’s all down to chance.

    With interest rates so low, you might decide it’s worth having a go. Or you might like the slow and steady approach of putting your money in an easy access account and hoping for a rate rise soon.

    Remember that as time goes on, things become more expensive. This is called inflation. Premium Bonds don’t pay interest, and your investment remains the same. You may then find that you are able to buy less with the same amount of money in the future.

  6. 6

    How safe is my money?

    It’s important to note that all money saved with NS&I is guaranteed by the Government. That’s different to normal savings accounts, which are usually covered by the Financial Services Compensation Scheme (FSCS). This only offers £85,000 cover per person, per institution. So if you have a lot in savings, you need to save it across different accounts in order to ensure it is completely covered.

PREMIUM Bonds are the UK’s biggest savings product – one in three adults in the UK is invested in them.

But what are they, how do they work and how do you know if you have won?

3 Premium Bonds can be bought from National Saving and Investments which offers a variety of savings accounts.Credit: Alamy

Premium Bonds can be bought from National Saving and Investments (NS&I) which offers a variety of savings accounts.

You can put money in and take it out whenever you want and how much you earn is decided by a monthly prize draw.

Since February 2019, the minimum investment you can make is £25, dropped from £100.

The maximum you can invest in Premium Bonds is £50,000.

From December 2017, NS&I introduced a raft of changes to make Premium Bonds more attractive to savers.

It slashed the odds of winning from 30,000 to one to 24,500 to one, and it increased the estimated prize pot to £83.1million compared to £68.3million.

In addition, it increased the total number of prizes from 2.4million to 2.9million.

The prize boost included adding an extra £100,000 prize, while the number of £50,000 and £25,000 giveaways rose to nine and 18 respectively.

3 You can put money into and take out cash whenever you want and the interest paid is decided by a monthly prize drawCredit: Alamy

How do I check if I have won?

There are two ways to check whether you are a winner in the monthly draw.

If you are registered with NS&I online then it will inform you via email as to whether you have been successful.

Alternatively, if you are not registered online, a letter will be sent to your home address.

The money can either be paid directly into your account or you can choose to reinvest it in bonds.

3 The money can either be paid directly into your account or you can choose to reinvest it in bondsCredit: Alamy

NS&I says that there are over 1.5million premium bond prizes yet to be claimed by their rightful owners.

This amounts to over £60million waiting to be paid out to the rightful winners.

NS&I is encouraging Premium Bond holders to reconnect with their old bonds, some of which date back to over 50 years.

To check if you’ve won, all you need to do is enter your holder’s number on the NS&I website here.

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How likely am I to be a winner?

The chance of winning a prize, with an individual bond, is 24,500 to one.

Each bond has an equal chance of winning, so the more you buy, the more your chances improve.

NS&I says its annual prize fund interest rate is 1.4 per cent, which it calculates by working out the mean rates of return per bond purchased.

But research from MoneySavingExpert found that most people earn is significantly less than this headline rate, with plenty of savers earning nothing at all.

Most Premium Bond savers will find that their investments fail to keep pace with inflation, but it’s hard to find savings accounts that beat inflation too.

Generally speaking, you’ll usually get a better rate of return with a savings account attached to a current account or two-year fixed savings account.

These can pay as much as 5 per cent in interest on savings.

You can check your odds depending on how many bonds you have and how long you’ll keep them using this helpful calculator from MoneySavingExpert.

That makes it easier to see if Premium Bonds are right for you, or if you’d be better off with other forms of savings.

If you’re a higher rate tax payer, then Premium Bonds can be a good bet, because you’ll get all your winnings tax free.

In particular, anyone who has used up their Isa limit and the personal savings allowance might want to look at Premium Bonds for savings.

Where can I buy Premium Bonds from?

You can apply to buy Premium Bonds over the phone, online or by post.

Once you own some you can buy more via direct debit on the National Savings and Investments website.

The direct debit minimum limit has recently dropped to £25 down from £50.

Make sure you keep all your paperwork safe, so you can still track your bonds easily if you relocate.

Premium Bonds cannot be passed on if you die, but your heirs can get the cash value of the bonds, as long as they are sold by the executor within 12 months.

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You can now buy Premium Bonds for less as NS&I slashes the minimum savings limit to £25.

The February 2019 Premium Bonds winning numbers have been announced – find out if you won the £1million cash prize.

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People share how they would spend a Premium Bond prize if they won

NS&I Premium Bonds prize checker

By using this application (“app”), you accept these terms of use.

This app is intended to be used in, and by the residents of, the UK, the Channel Islands and the Isle of Man only. If you use this app in any other manner, you must make sure that such use is permitted by local law and any other law that may apply to you.

NS&I will not charge you for this app, but your network provider may charge you for any data you may use in downloading and accessing it. If you use this app outside the UK, remember that your network provider’s data charges may be higher.

This app can be used through entering either a Premium Bonds holder’s number or an NS&I number. It allows you to store your number and/or other people’s numbers. For a child’s holding, only their Premium Bonds holder’s number can be used. If you choose to store a number belonging to someone else, you must have their permission or permission from the nominated parent/guardian in respect of a child’s holding.

You will be required to enter a name within the parameters permitted, for each Premium Bond holder’s number or NS&I number you choose to store. The app will display the name with the number being partially obscured.

Security

The app offers the option to set up a five digit PIN to help you keep your information more secure. If you set up a PIN and your own device also has Touch ID or Fingerprint enabled, the app will detect it and give you the option to use this.

The app will allow a limited number of attempts to enter the PIN correctly before you will be locked out of using the app for a limited period of time.

If you forget the PIN you will need to clear all data from the app and begin the process of storing your NS&I or Premium Bonds holder’s number(s) again.

Remember that if you choose to store other people’s numbers and your device is used by someone else (with or without your permission) and you choose not to set up a PIN for the app, they will be able to see any information shown in the app, including the value of any prizes.

Liability

NS&I will endeavour to ensure that this app works as specified on compatible devices and that the information provided is accurate. Provided we have exercised reasonable care, NS&I will not be liable for any loss or damage which may be suffered as a result of your use of this app, including (but not limited to):

  • any personal information that you choose to store on your mobile device using the app (such as your or someone else’s Premium Bonds holder’s number or NS&I number) becoming available to a third party if the device is lost, stolen or compromised;
  • any failure of, or temporary interruption in the availability of, the app.

You must not download the app from anywhere other than the App Store or Google Play store or install or use it on a jailbroken (iOS) or rooted (Android) device.

Legal

Obtaining unauthorised access to, or modifying, this app may constitute an offence under the Computer Misuse Act 1990. It is unlawful to cause damage to it intentionally or to any NS&I electronic facility or data through the knowing transmission of any program, information, code or command.

This app contains numerous trademarks registered to the Director of Savings. These trademarks include, but are not limited to, National Savings and Investments®, NS&I® and Premium Bonds®. All rights in and to these trademarks are vested in the Director of Savings (who acts under the powers granted to them by section 1 of the National Debt Act 1972). You may not use or reproduce our trademarks, logo or brand name without first obtaining our written permission.

We can amend or withdraw this app at any time.

Privacy

When you use the app, we collect information about how you use it, for example which areas you use most often and if any technical errors occur. This is to help us resolve any issues and make improvements to the app. We will not be able to identify you from this information.

This information will include:

  • the time and date that the app is being used and the duration
  • whether this is the first use of the app or a subsequent use
  • the device make and model and operating system version
  • for Android devices, the Android ID and Android Advertising ID

If there is a crash or technical error which we can capture, we will also collect:

  • the orientation of the device (portrait or landscape)
  • whether the device is jailbroken or rooted
  • the percentage of the device’s memory and storage space which is free

Changes to these terms of use

We may make changes to the terms of use from time to time. If so, we will include the new terms in an updated version of the app. You will need to read and accept the new terms to be able to use the updated version.

There are unclaimed Premium Bond prizes worth up to £100,000 each just waiting to be collected. Here’s how to find out if you’ve already won and how to trace any unclaimed NS&I prizes.

Unclaimed Premium Bond prizes worth £63 million

While many NS&I Premium Bond holders religiously check if they’ve won every month, others have a decidedly more relaxed approach to bond ownership.

As a result, there are 1.6 million Premium Bond prizes just waiting to be claimed, which comes to a staggering £63 million.

So if you’ve not already done so, make sure you check your numbers to find out if you’ve already won.

Why are some Premium Bond winnings left unclaimed?

NS&I Premium Bond prizes normally go unclaimed because of some kind of miscommunication. Often, it’s because:

  • You moved and didn’t tell NS&I;
  • You forgot you owned them (if they were a gift as a child)
  • You changed some of your personal details;
  • The letter got lost somewhere.

NS&I says 180,000 cheques worth more than £8 million are returned to them, usually because the winners have moved and forgotten to update their details. So the first thing to do is check NS&I has your correct address.

Remember that there is no expiration date for claiming your winnings so it doesn’t matter how much time has passed.

The rest of this article will take you through the process, but before we jump in it’s worth pointing out that you can get advance notice of the big prize-winning numbers by checking our Premium Bond winners article at the start of each month.

News sites are usually able to publish these numbers a couple of days before they become available on the NS&I site, so this is the fastest way to find out if you win in any future prize draws.

More interested in a guaranteed return on your savings? Compare top rates now

Viewing your prize history

You’ve got a few options when it comes to seeing your prize history.

Log in/register

Just head over to NS&I’s secure login page with your NS&I number, surname and password.

Your NS&I number was sent to you when you registered for either the online or phone service, you’ll find it on any letter you’ve had since you’ve registered.

It’s 11 digits long and starts with an 11, 21, 31 or 41.

Get the prize checker app

It is exactly as it sounds – an app that lets you see if you’ve won any prizes. It’ll show you the total value of your prizes and the matching bond numbers.

The app requires your holder’s number, which groups all of your Premium Bonds together.

If you’re not sure what your number is, it either has 10 or nine digits, or eight digits followed by a letter. Failing that, you can ring up NS&I on 08085 007 007 (UK) or +44 1253 832007 (outside the UK) to be sent a new bond record.

Source: NS&I

The app is available to download from the App Store and Google Play.

Check prizes online

The easiest way to check is online. You can check the latest results, bond numbers from the past six months of unclaimed prizes.

Write to NS&I

Alternatively, you can write to NS&I asking for your prize history, remembering to include your name, address and either your NS&I or Premium Bonds holder’s number. In return, you’ll be sent a list of the prizes that you’ve won.

Post it on to:

NS&I
Glasgow
G58 1SB

How to claim Premium Bond prizes

Now, this does involve writing to NS&I. You’ll need to say that you’ve won a prize but haven’t received it.

If your details have changed since you won the prize, you’ll also need to say what your old and current details are and then sign the letter.

Updating your details with NS&I

If you’ve registered online or by phone then you can log in to your online account or call to change your details.

Callers in the UK can ring 08085 007 007 and those outside the UK should contact +44 1253 832007. Make sure you have your NS&I number and password to hand.

However, those who aren’t registered should write to NS&I to highlight any changes.

More interested in a guaranteed return on your savings? Compare top rates now

TWO lucky winners have bagged the top £1million Premium Bond prize in the December draw.

In total, the N&SI paid out 3,444,075 prizes worth £98,443,125 to Premium Bond winners this month.

1 NS&I has announced the latest Premium Bond winners including two new millionaires

The first millionaire to receive the news was a man based in Stockport, who has a total of £36,000 in Premium Bonds.

The winning bond number is 309GV354472 and was purchased in August 2017.

The second lucky winner was also a man, this time based in Hampshire & Isle of Wight.

He purchased his winning bond six years ago in August 2013, and holds the maximum amount in Premium Bonds, which is £50,000.

Premium Bond holders can check their Bonds online at www.nsandi.com, via the Prize Checker app on iOS and Android, and via Alexa.

NS&I is urging holders to check if they are missing out on prize money thanks to out of date contact details.

Currently there are more than 1.6 million prizes worth almost £64 million still waiting to be claimed by Premium Bond holders.

Its says that bonds which have been purchased for a child are often forgotten about and result in unclaimed prizes, so check with NS&I and your family.

How do Premium Bonds work?

PREMIUM Bonds are a savings account you can put money in (and take money out when you want), where the interest paid is decided by a monthly prize draw.

You buy £1 bonds and each has an equal chance of winning, so the more you buy, the more your chances improve.

Premium Bonds can be bought via standing order for as little as £25 per month once an account has been opened.

  • Minimum purchase amount: £25.
  • Maximum amount you can hold: £50,000.
  • Age limit: Over 16 to buy them; under that age they may be held in the name of the under-16 by parents or guardians. Grandparents or great-grandparents can nominate the child’s parent or guardian to hold them.

The winners are picked by a random number generating computer called Ernie (Electronic Random Number Indicator Equipment).

Customers can choose to have any future winnings paid directly into their bank or building society accounts.

To do this you need to register to manage your Premium Bonds and NS&I accounts online at nsandi.com/register.

All Premium Bonds prizes are free of UK Income Tax and Capital Gains Tax.

The annual Premium Bonds prize fund rate is currently 1.40 per cent and the odds of each individual number winning any prize are currently 24,500 to 1.

Obviously, the more bonds you hold, the more likely you are to win.

Customers can buy Premium Bonds online at nsandi.com and over the phone by calling 08085 007 007. Customers can also buy by post.

Existing customers can also buy by bank transfer and standing order. The minimum investment must be at least £25.

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Do I have any unclaimed prizes?

How to find out?

We contact everyone when they win a prize but sometimes the good news doesn’t arrive. This might be because you’ve moved and not told us, you’ve changed some of your other personal details, or our letter went astray.

Don’t worry though. We’ll hold on to your prize until you get in touch with us. And there’s no time limit for claims.

Log in to view your prize history, or use our prize checker to see whether you have any unclaimed prizes.

Log in /register

Get the prize checker app on the App Store

Get the prize checker app on Google Play

Check my prizes online

Or you can write to us asking for your prize history (remember to include your name, address and NS&I number or Premium Bonds holder’s number). We’ll send you a list of the prizes you’ve won.

Contact us by post

How to claim

Then, if you find out that you have won a prize but not received it, if you are registered already for our online and phone service, you can simply call us or chat to us via webchat and we’ll help you with your claim.

Call / chat to us

If you are not registered already, you can either register for our online and phone service or you will need to write to us and tell us that you have an unclaimed prize. By registering you can choose any future Premium Bonds prizes paid straight to your bank account.

Register

If writing to us please mention the following details in your letter:

  • Holder’s number.
  • Current name.
  • Any previous names.
  • Current address.
  • Any previous addresses where bonds may have been registered.
  • Signature.

Please send your letter to NS&I, Glasgow, G58 1SB.

Prizes will then be sent to your home address as a warrant. Unfortunately we can not send unclaimed prizes direct to your bank account.

If your details have changed since you won the prize, tell us your old and current details and sign your letter.

Keeping us up to date

It’s important to keep your details up to date so you can receive any prizes you win.

Registered for our online and phone service? You can simply log in or call us to change your details.

Log in / register

Contact us by phone

Not yet registered? You’ll need to write to us to let us know of any changes.

Contact us by post

There are currently more than 1.6m unclaimed Premium Bond prices worth more than £64m, according to the latest figures. When you read that three questions should come to mind: Is any of that money mine? How do I find out? Should I buy some Premium Bonds now?

If you’ve got £25 minimum to spare, Premium Bonds give you the chance to be randomly picked for a prize every month. The prizes are tax-free and range from £25 to £1m. The odds of winning per £1 Bond number are 24,500 to one.

Why are so many prizes unclaimed?

Let’s face it, life’s full of so much admin these days, that it’s easy to lose track of things. You might have moved and forgotten to update your contact details, or been given Premium Bonds as a child and forgotten about them. Or, the letter might simply have got lost. The good news is that if you’ve won anything, the money will still be there waiting for you… NS&I keep it indefinitely, so even if it’s years later, you can still claim.

NS&I

How do I check for unclaimed Premium Bond prizes?

*If you know your Premium Bond holder’s number, you can go to the prize checker section on the NS&I website or download the prize checker app. If you own Amazon Alexa, there’s a Premium Bonds prize checker skill there too. If you win a £1m jackpot ‘Agent Million’ will visit you in person (here’s hoping!).

If you’re registered for the online and phone service, you can ask NS&I to email you if you win.

*If you don’t know your Premium Bond holder’s number, but have an old letter from NS&I, you’ll find your NS&I number there. Use that, with your surname and password to log into NS&I online and find your holders number on the account details page.

*If you can’t find your holder’s number or account number, you can phone NS&I on 08085 007 007 or write and ask for a replacement bond record to be sent to you. Give as much detail as you can about your past addresses, where and when you bought the Premium Bonds and how much they might be worth.

*Alternatively, you can use the NS&I Tracing Service or My Lost Account to track down your Premium Bond details.

Witthaya Prasongsin / EyeEmGetty Images

Rule change for Premium Bond gift buyers

A recent rule change means any adult can buy Premium Bonds for children (under 16s). So, whether you’re a grandparent, uncle, aunt, niece, godparent, next door neighbour or family friend, you can buy them as a gift online at nsandi.com/gift or by post. But you will need to nominate one of the child’s parents or guardians to look after the Bonds until the child turns 16.

How do Premium Bonds compare to savings accounts?

They aren’t really comparable as there’s no guarantee of winning anything. The nearest thing Premium Bonds have to an annual interest rate is their annual prize fund interest rate which means ‘on average’ the annual return is 1.40%.

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Premium Bonds might be for you if:

*you want the chance to win £1m jackpot every month, and other tax-free prizes

*you have more than £25 to invest (the max you can invest is £50,00 per person)

*want 100% security for your money (because NS&I is backed by HM Treasury).

*want to make the most of tax-free investment opportunities

*want to buy a money gift for a child

Premium Bonds might not be for you if:

*you want a regular income from the money

*are looking for guaranteed regular

*are concerned about inflation eroding your savings

*you want to invest jointly with someone else or in trust

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