Four fortunate Premium Bonds holders have each secured £100,000 prizes by acquiring their winning bonds exclusively in December. These bonds became eligible for the draw starting from February 2026, requiring a full month of ownership for inclusion. Notably, one of the winners bought a £50 bond in December 2025.
Residing in Essex, one winner possesses a total of £19,150 in Premium Bonds, while another winner from Brighton and Hove holds £38,025, with their winning bond valued at £13,000. The remaining two £100,000 winners each maintain £50,000 in Premium Bonds, with one residing in Cheshire and the other in Hampshire and the Isle of Wight.
Every month, two £1 million Premium Bond prizes are distributed, with winners in the February 2026 draw hailing from Liverpool and Central Bedfordshire. Premium Bonds, a savings product by National Savings & Investment (NS&I), offer a unique approach by entering participants into a monthly prize draw rather than offering a fixed interest rate on their funds.
The prize amounts vary from £25 to £1 million, with a higher frequency of smaller prizes compared to the substantial sums awarded. Typically, numerous £25 prizes are awarded alongside two £1 million prizes. The maximum savings limit in Premium Bonds is £50,000, with each pound invested corresponding to a distinct bond number.
The odds of winning a prize each month with a single bond are 22,000 to 1. Winners are notified via email or text message by NS&I and can opt to receive their prize in their bank account or reinvest it in Premium Bonds. Additionally, the NS&I online prize checker tool and Premium Bonds prize checker app allow participants to verify if they have won.
Currently, the prize fund rate for Premium Bonds, akin to an interest rate, stands at 3.60%, unchanged since the August 2025 draw. Recent data disclosed the top locations for winning Premium Bond prizes, with Hampshire, the Isle of Wight, Essex, and Outer London featuring prominently among the luckiest regions. Additionally, Norwich and Cumbria celebrated winning the £1 million jackpot twice in 2025.