Premium Bonds are a popular savings product offered by National Savings and Investments (NS&I) in the UK. Instead of earning regular interest, each £1 bond enters a monthly prize draw with chances to win tax-free prizes, including a £1 million jackpot. Over time, some bondholders may lose track of their holdings, especially if they’ve moved or changed contact details. If you’re wondering whether you have Premium Bonds, here’s how you can find out.
Check Your Records
Start by reviewing any past correspondence from NS&I. Look for letters or emails that might contain your Premium Bond holder’s number or NS&I account number. These numbers are essential for accessing your bond details online or via the prize checker app.
Use NS&I’s Prize Checker
If you have your holder number, you can use NS&I’s Prize Checker tool to see if you’ve won any prizes. This tool allows you to check your bonds against the latest prize draws.
Steps:
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Visit the NS&I Prize Checker page.
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Enter your holder number.
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Review the results to see if you’ve won any prizes.
Alternatively, you can download the Prize Checker app on your smartphone. It’s available for both iOS and Android devices.
Log In to Your NS&I Account
If you know your NS&I number and password, log in to your account on the NS&I website. Once logged in, you can view your bond holdings, check for unclaimed prizes, and update your personal details.
Steps:
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Go to the NS&I website.
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Click on ‘Log in’ and enter your NS&I number and password.
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Navigate to your account details to view your Premium Bonds.
Contact NS&I Directly
If you don’t have your holder number or NS&I account details, you can contact NS&I to trace your Premium Bonds. You’ll need to provide personal information to help them locate your records.
Steps:
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By Phone: Call NS&I at 08085 007 007.
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By Mail: Write to NS&I, Sunderland, SR43 2SB. Include your full name, address, date of birth, and any other details about your bonds, such as when and where you purchased them.
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Online: Use the NS&I Tracing Service to request a search for your lost bonds.
Alternatively, you can use the My Lost Account service, which helps trace lost financial accounts, including Premium Bonds.
Keep Your Details Updated
To ensure you don’t miss out on future prizes or important notifications, regularly update your contact details with NS&I. You can do this online, by phone, or by mail.
Steps:
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Online: Log in to your NS&I account and update your personal details.
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By Phone: Call NS&I at 08085 007 007 to update your information.
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By Mail: Write to NS&I, Sunderland, SR43 2SB, providing your new contact details.
Conclusion
Finding out if you have Premium Bonds is a straightforward process, whether you check your records, use the online Prize Checker, log into your NS&I account, or contact NS&I directly. Keeping your personal information updated with NS&I ensures you never miss out on any potential winnings. Premium Bonds offer a unique way to save and potentially win tax-free prizes, making them a popular choice for many. By following the steps outlined in this article, you can easily determine if you have Premium Bonds and manage your holdings effectively.
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