You can also write to us and request a replacement Bond record if you aren’t registered for our online or phone services.
How do I find out whether I have any bonds in my name?
Ask your family members whether they have ever opened a bond in your name to see if there are any outstanding bonds in your name. Call your parents, grandparents, aunts and uncles, and anybody else you think might have bought a bond in your name in the past. After sifting through their filing cabinets, the family member may be able to discover the bond and hand it over to you for redemption.
Can you look for Premium Bond numbers on the internet?
While many NS&I Premium Bond holders check every month to see if they’ve won, others take a more carefree approach to bond ownership.
As a result, there are over 2.1 million Premium Bond rewards worth around £75 million that are just waiting to be collected.
So, if you haven’t done so already, double-check your numbers to see whether you’ve already won.
Prizes for NS&I Premium Bonds are frequently unclaimed due to a misunderstanding. It’s usually because:
In 2020, NS&I reported that 180,000 cheques totaling over £8 million were returned to them, the majority of which were due to winners moving and forgetting to update their information.
So, first and foremost, double-check that NS&I has your current address or change your account so that any prize money is transferred directly into your bank account.
Remember that there is no time limit for collecting your prizes, so no matter how much time has passed, you can still claim them.
The rest of this article will walk you through the procedure, but before we get started, it’s worth noting that the large prize-winning numbers can be found in our Premium Bond winners article, which is published at the beginning of each month.
Viewing your prize history
Your NS&I number was supplied to you when you signed up for the online or phone service, and it can be found on any letter you’ve received since then.
It’s exactly what it sounds like — an app that tells you if you’ve won anything. It will display the total value of your rewards as well as the bond numbers that correspond to them.
Your holder’s number, which is used to group all of your Premium Bonds together, is required by the app.
If you’re not sure what your phone number is, it’s either 10 or 9 digits long, or eight digits long followed by a letter.
If that fails, you can contact NS&I for a new bond record by calling 08085 007 007 (UK) or +44 1772 329880 (outside the UK).
The most convenient way to do so is to go online. You can look at the most recent results, unclaimed prize bond numbers from the previous six months, and any earlier awards you haven’t claimed yet (if you won anything).
You may use your Amazon Alexa to look for unclaimed rewards if you have one.
You can also write to NS&I and request your prize history, remembering to include your name, address, date of birth, and NS&I or Premium Bonds holder number. In exchange, you will receive a list of the rewards you have won.
How to claim Premium Bond prizes
You can call NS&I if you discover out you’ve won a reward but haven’t received it, and you’re registered for their online and phone services.
If you aren’t registered and don’t want to be, you must write to NS&I and state that you have won a reward but have yet to receive it.
If your contact information has changed after you won the prize, you must also state your old and new contact information before signing the letter.
Updating your details with NS&I
If you registered online or by phone, you can update your information by logging onto your account or calling.
Callers in the United Kingdom should dial 08085 007 007, while those outside the United Kingdom should dial +44 1772 329880. Make sure you have your NS&I number and password with you at all times.
Those who aren’t enrolled, however, should contact NS&I to inform them of any changes.
How can I get into my NS&I account?
To log in, use your details if you have an NS&I account in your own name. If you don’t have an NS&I account, simply input the holder’s/account number of the donor’s account, as well as your own name and address. The donor’s accounts and investments will subsequently be added to your online dashboard.
How far back can Premium Bonds be checked?
Claims have no time limit, so you can go back as far as you like. Here’s how to get your hands on any prizes that haven’t been claimed yet: To begin your claim, call 08085 007 007 if you are a registered user of NS&I’s online and phone services.
Is it possible to replace misplaced savings bonds?
You can obtain a replacement electronic savings bond if your paper bond is lost, stolen, destroyed, disfigured, or you never received it. Individual savings bonds are not splittable and must be reissued in their entirety. You can request that your bond be redeemed instead of replacing it electronically.
What should you do if you misplace your savings bonds?
Complete a Claim for Lost, Stolen, or Destroyed United States Savings Bonds to register a claim for a savings bond that has been lost, stolen, or destroyed (FS Form 1048). Please sign the form in the presence of a certifying officer who is authorized to do so (available at a bank, trust company, or credit union).
What if my child receives Premium Bonds?
Buying NS&I Premium Bonds for a youngster is a fantastic idea because it’s a gift that keeps on giving (possibly).
Premium Bonds can be purchased on behalf of a kid by anybody over the age of 16, thus aunts, uncles, and even family acquaintances can participate.
Furthermore, NS&I’s decision in 2019 to reduce the minimum investment amount from £100 to £25 makes them a considerably more practical, or inexpensive, gift.
Instead, how about purchasing bonds for yourself? The following are the simplest methods for purchasing Premium Bonds.
How to buy Premium Bonds for your child
Parents and legal guardians can apply online, over the phone, or by mail to purchase Premium Bonds as a gift for their children.
Whether you’re buying for the first time or adding to your collection of Premium Bonds, you’ll need to be registered with NS&I.
As previously stated, you must invest at least £25 in Premium Bonds, with each £1 producing one unique bond number.
Every number has an equal chance of winning a prize, so buying more increases your chances of winning.
Until your child turns 16, you will receive confirmation of transactions, money for bonds cashed in, and rewards won.
Do you want to know whether you’ve won anything? The most recent results can be seen in this article.
Buying Premium Bonds for someone else’s child
If you want to spoil your grandchild, niece, nephew, or even a family friend’s child, you can apply online or by mail for an electronic or paper gift card to give to the child.
Your investment will be acknowledged, but only the chosen parent or guardian will be able to manage and cash in the bonds.
Before purchasing Premium Bonds for someone else’s child, there are a few things to consider.
Of course, you’ll want to make sure the parent or guardian is okay with you sending over their information and that they’re happy to look after the bonds.
These facts include the child’s and parent’s or guardian’s dates of birth and addresses, as well as the child’s Premium Bonds holder’s number (if they have one).
Everyone on the application will have their identity and address checked by NS&I, therefore there’s a risk that documentation will be required.
To avoid any unpleasant shocks, inform the parent or guardian that NS&I may contact them to request documentation to establish their identity.
Premium Bonds are detailed in detail, including how to purchase them, how to cash them in, when winners are revealed, and more.
How long does the process take?
If you’re buying the bonds as a present for someone special, you’ll need to prepare ahead and apply ahead of time.
NS&I hopes to open new accounts in seven to ten working days, but because everyone’s name and address on the application form must be validated, it will most likely take longer.
What happens if the child wins?
If the child outperforms the odds and wins a prize, the parent or guardian will have to decide what to do with it.
There’s no need to be concerned about tax implications. While a child cannot earn more than £100 in interest per year from savings, this does not apply to Premium Bonds winnings because they are rewards.
Finally, make sure the child’s information is up to date: there are millions of pounds in unclaimed awards held by bondholders under the age of 16.
