@ollypersonalfinance: Premium bond prize rate has been increased again to 4.35%. A lot of people don’t really like premium bonds, but it’s my go to for an emergency fund and I think they can be quite a fun and different savings account. I am now affiliated with NS&I and this is not financial advice. #premiumbonds #PersonalFinance
I have had premium bonds for years I won £10 once 😁
2026-08-20 11:26:26
42
Bren :
I'm pulling my money out Had £5000 for 2 years not one single prize.. sat doing nothing in my ISA it would have gained £512 due to compounding The premium bonds average is bull mine has been zero for the last 2 years
2026-08-18 19:14:46
22
CJ :
Not really an emergency fund because they’re not quick to withdraw. Especially if you have to deal with their native app which is about 10 years out of date
2026-08-18 19:50:03
30
Ryan199444 :
I hope I get the 100k 🤣
2026-08-18 19:14:10
14
Zoe Turner :
We have only won once in over 30 years!!!
2026-09-01 16:15:44
1
Alison :
I get more money in prizes every year than I get interest on my money in the bank!
2026-08-20 12:27:43
24
DividendDadUk :
Not my main saving pot but it does make it a bit more exciting each month knowing you could win a decent amount of money!
2026-08-18 16:28:21
27
nole✨🌙 :
Won 10k and spent it travelling in Canada✨
2026-08-19 12:20:37
17
Ed :
Good if you max out your S&S ISA but apart from that waste of time
2026-08-19 07:23:11
7
Sukens.uk :
have 50k, most months only win £25, last month nil
2026-08-20 23:01:29
7
Belle :
Had 4 prizes in 12 months. Only got £4k in there and return of £275. Better than my other easy access saver.
2026-08-21 09:17:34
12
Jord Kelly :
The biggest downside is they hold your funds for a month prior to being entered..So that's 2 months without interest..If you put your money into a stocks & shares ISA you come out with more money a year.I put 20k in and had nothing for 4 months
2026-08-30 08:25:55
1
Sonia Kennard :
I win every month.
2026-08-19 15:48:46
13
Investingfooddude :
Took mine out… need 15-20k really to make it worth while or its just losing money to inflation
2026-08-19 10:40:10
10
Minxhay :
I’ve won £1500 on bonds since March barely anything in my Santander savings accounts x
2026-09-06 13:38:18
1
Macker2 :
They dropped the rate two months ago and are now putting it back to were it was recently 🙄
2026-08-19 12:47:07
11
Maz :
I thought they had reduced it?
2026-08-18 20:48:09
6
Silverclay Studio :
yeah as family of 4 we get average £600 in prize money that covers our monthly family food bill.🥰 Safe place to invest.
2026-08-19 13:57:18
1
Hanni :
I won £100k in June have held 50k since 2023
2026-08-20 16:23:50
2
Dave :
Win every single month
2026-08-19 15:00:01
3
Courtney Lorelle Rus :
It’s okay if your winning and have a lot in
2026-08-19 09:42:26
1
sharondytor1 :
I cashed mine in get better rate in savings account
2026-08-19 09:18:16
1
𝙃𝙤𝙡𝙖 :
i have 15k in mine and my last 6 months I've won £75.
2026-08-18 22:34:38
3
Tyronne Ramella :
Huh so if I invest 100k here you get 4.35% and you get a chance to win????
2026-08-18 20:31:12
0
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