Four fortunate Premium Bonds investors have clinched £100,000 rewards by acquiring their winning bonds solely in December. These bonds were only qualified for draws starting from February 2026, requiring ownership for a complete month for inclusion. One of the £100,000 victors bought a £50 bond in December 2025.
Residing in Essex, one winner holds a total of £19,150 in Premium Bonds. Another winner from Brighton and Hove possesses a £13,000 winning bond and a total of £38,025 in Premium Bonds. The remaining two winners, each holding £50,000 in Premium Bonds, live in Cheshire and Hampshire and the Isle of Wight.
Two £1 million Premium Bond prizes are distributed monthly, with one of the winners in the February 2026 draw hailing from Liverpool and the other from Central Bedfordshire. Premium Bonds, a savings product by National Savings & Investment (NS&I), substitute a fixed interest rate with entry into a monthly prize draw.
The smallest monthly prize amounts to £25, while the largest reaches £1 million. However, winning a prize every month is not guaranteed, with significantly more small prizes awarded compared to the larger sums. Typically, thousands of £25 prizes are given out alongside just two £1 million prizes.
The maximum allowable savings in Premium Bonds is £50,000, with each £1 invested assigned a unique bond number. The odds of winning a prize each month stand at 22,000 to 1 for every £1 bond. Winners are notified via email or text message from NS&I and can opt to have the prize deposited into their bank account or reinvested into Premium Bonds.
The current prize fund rate, akin to an interest rate for Premium Bonds, stands at 3.60% since the August 2025 draw. Recent data disclosed the luckiest regions for winning Premium Bond prizes, with Hampshire and the Isle of Wight boasting 42 £100,000 prize winners in 2025. Essex, Outer London, Norwich, and Cumbria also saw significant prize wins last year.