NS&I is upping the prize fund for premium bonds again—boosting returns from 3.8% to 4.35%, improving your odds of winning and increasing the number of big prizes, though smaller ones are being cut back. No interest, just monthly lottery luck—with tax-free cash prizes and a top jackpot of £1 million. But here’s the catch: 62% of holders have never won a thing, and while the odds are getting better, it’s still pure chance. With changes to cash ISAs looming, premium bonds might attract more savers—but for most, it’s still a gamble where the real risk? Not winning anything at all.
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