FabSwingers.com forum: Premium Bonds

By *nd-D OP Couple
over a year ago

portsmouth

Do any of you invest in the premium bonds ? .

Have you had any big wins ?

How many do you hold and for how long have you held them ?.

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By *dible_KinkCouple
over a year ago

Aberdeen

I've been buying every month on direct debit for about 10 years. Never won a penny!!!!!

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By *ovetoedgeMan
over a year ago

Dunstable

Got some now, won nothing yet. No point being in bank at virtually 0% interest.

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By *lfiebMan
over a year ago

Farlington Holiday inn

Been lucky for past couple years, winning about £600-£700 in total. All £25 wins (or small multiples of). Better than the poo interest on ISA's and other savings.

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By (user no longer on site)
over a year ago

I’ve had some for about 25 years. I think it’s about £500 worth and won a couple of thousand over the years. As others have said, better than being in a low interest bank account.

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By *uriousscouserWoman
over a year ago

Wirral

I bought some a while back when savings rates collapsed. I've just cashed most of them in though since I can currently get better rates on a savings account.

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By *ablo minibar123Woman
over a year ago

Top amount, in general I win between £25 and £100 a month, no big wins yet but I live in hope.

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By *iguyyyMan
over a year ago

whitstable

"Do any of you invest in the premium bonds ? .

Have you had any big wins ?

How many do you hold and for how long have you held them ?."

I personally know of someone with the maximum amount of them (£50k) I believe it is, they have kept hold of them for 3 years and they have won £1450 over the 3 years, all £25/£100 wins I guess they could have done worse but it dosent seem great to me…

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By *eisty LadyWoman
over a year ago

Count Your Blessings Cottage, Gratitude Grove

I have the max and win most months - generally on several bonds at a time.

Winnings are more than the interest I’d get in the bank

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By *iguyyyMan
over a year ago

whitstable

"I have the max and win most months - generally on several bonds at a time.

Winnings are more than the interest I’d get in the bank"

Oh doing better then the guy I know of… maybe I should also take the plunge as the S&P500 is currently dipping…

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By (user no longer on site)
over a year ago

5 years to date. Paying in every month via d/d. Total won: £75

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By *innie The MinxWoman
over a year ago

Under the Duvet

I've won the odd small prize. Must be due the big one soon!

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By *ellanbennyCouple
over a year ago

cambs

We have some and had a small £25 win, still probably better than sitting in a bank.

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By *rontier PsychiatristMan
over a year ago

Coventry

I have a couple, bought for me as kid. Never won anything. Still with intrests rates so low over the last 10 years the equivalent value wouldn't have done much, especially when there is at least the chance to win big.

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By *luebell888Woman
over a year ago

Glasgowish

My mum says she wins more on her premium bonds then she does on the lottery. Not really big wins but still wins.

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By *ryandseeMan
over a year ago

Yorkshire

I had a few long time ago. Tbh not sure if I still have them or not but certainly not won anything for long, long time. Now that you reminded me, I will try and find out.

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By *orthern StarsCouple
over a year ago

Durham

We have a few hundred in premium bonds. They've been there for over 35 years. We rarely win anything but the capital will always be there so no harm being done.

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By *atnip make me purrWoman
over a year ago

Reading

Yes I have the maximum amount allowable and win £50 most months.

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By *ondoner27Man
over a year ago

london

Win £25 every now and again. Gonna pull my money out though as it’s the worst place to be when there is high inflation

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By (user no longer on site)
over a year ago

I've only not won in 2 draws this year. Average £800 a year.

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By *as1373Couple
over a year ago

Taupo, New Zealand & Persian Gulf

We both have maximum holding and over last three months have won 1-3 prizes a month. Most was 5 prizes totalling 150, but earned over £1000 in last 5 draws, so more that we would get in bank.

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By *ex HolesMan
over a year ago

Up North

I won £50 this month, about bloody time as well

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By *ornyguyMan
over a year ago

Hillsborough, NI

I have won every month bar one for the last 5 months I think it is. biggest winning was £125 one month. I have a lot in there though.

I think Martin Lewis has an article online explaining at what point it is beneficial or not to have premium bonds, i.e., over a certain amount of money yes, under that, then no.

Although there's always the chance that you could just win a big prizes with a small number of bonds.

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By *ornyguyMan
over a year ago

Hillsborough, NI

I should state I've only had them for the last 5 or 6 months really.

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By (user no longer on site)
over a year ago

I put any tax i will owe at the end of the year into bonds.

Have a five grand holding that gives me on average three or four £25 win's a year.

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By (user no longer on site)
over a year ago

I've had some since I was born, never won a thing!

I even wrote to them once to ask if they still had my numbers. To be fair they did write back and say they did. Still not won anything though..

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By (user no longer on site)
over a year ago

I used to have £20k but don’t have any now. The payouts are tied to interest rates, so they have been crap for years and they scrapped some of the big prizes. Max I ever won was £100 in a month.

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By *iromancergirl1Woman
over a year ago

bolton

I have one from 1976 that was bought for me when I was born a £5 one never checked it tbh

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By *innamon!Woman
over a year ago

no matter

I have won 400 since May probably better than any interest elsewhere to date anyway. Ole man got 500 plus 4x 25 in June so he happy .

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By *uffolkcouple-bi onlyCouple
over a year ago

West Suffolk

I’ve had some for a couple of years. Won £25 twice

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By *ackdaw52Man
over a year ago

Chesterfield

Win £50 to £100 every month for about eight years.

Far better investment than an ISA!

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

About 4-5 years ago before they changed the rules I had the maximum allowed and would win most months, but usually only £25. It was a bad idea then and it is a shockingly bad idea now to use them . Martin did a really good article on the maths , it’s a no brainier , get your money out asap

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By *ablo minibar123Woman
over a year ago

Won £50 this month £100 last month, much better return than interest in the bank would have given me

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By (user no longer on site)
over a year ago

Reading these, they seem like an option for those who already have other investments and just put spare cash in for the punt. Some people here sitting on a fair pile of cash

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By (user no longer on site)
over a year ago

Martin Lewis has something on the odds.. I think he described 1k investment as giving a small return due to the amount of people who have similar sized investments... He was indicating a much larger investment is needed for regular wins

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By *eah BabyCouple
over a year ago

Cheshire, Windermere ,Cumbria

Had mine from a toddler off my grandad and won a big fat nothing, never ever, definitely wouldn’t buy any that’s for sure

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By *ackdaw52Man
over a year ago

Chesterfield

You need a big investment to make it worthwhile, sure.

But inflation is cancelling out any return you would get with savings.

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By *irkby coupleCouple
over a year ago

Kirkby

I have some, not sure how much I’ve I’m honest. I have a draw full of £25 winner letters. Never won more then £25, but I have won more than once in a month.

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By *ovingSussexLifeMan
over a year ago

West Sussex

I win £50-100 per month, far better than interest rates

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

"You need a big investment to make it worthwhile, sure.

But inflation is cancelling out any return you would get with savings. "

So few people get this sadly.

Raisin did an article recently - if they don’t act now, UK savers could lose half their money by January 2030

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By *tephanie_fellatrixTV/TS
over a year ago

Derby

I get at least £25 most months sometimes multiples of £25 the most was £75 and my biggest single win has been £50.

I have the wins reinvested in bonds.

Initial £25K investment has made more than £500 in 2 years and I have recieved an email only this morning saying I have won.

I need to check the site to see the amount.

Generally better than a savings account but now interest rates are rising it may be worth rethinking

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By *umbrianladxoxoMan
over a year ago

carlisle

I had some about 15 years ago but can’t remember my details to log in ffs lol

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By *tephanie_fellatrixTV/TS
over a year ago

Derby

Give NS&I a call you will need two different numbers to recover them but they will help you through the proceedure

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By *assagejMan
over a year ago

Bude

Hopefully interest rates will carry on rising, the odds will be more favourable with premium bonds or failing that there are some ok 4 years savings bonds around

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By (user no longer on site)
over a year ago

I was bought £5 worth when I was born. Everyone forgot I had them then I found the card a few years ago. Excitedly I set everything up online, expecting something. Sadly, I’ve had diddly squat.

If you’ve got a significant amount it seems to be worth it, you will win regularly, and match or exceed inflation. If you’ve got a small amount the chance of you winning is tiny. That £5 I was given when I was born would’ve bought a lot more than it would now!

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By (user no longer on site)
over a year ago

Iv just won £25 and the same last month

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By *ixieAndHerKingCouple
over a year ago

Debauchery

My mum and dad put in a large amount of money to see how they would perform as an investment because they were rumoured to be quite good, but they actually Andes up returning less than 1%.

Hades

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By *atnip make me purrWoman
over a year ago

Reading

No but had the biggest win this month at £150. Someone in Reading won 100k but sadly not me

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By *oding1Man
over a year ago

marlow

Best I ever did was once with a £3000 holding won £1000.

Have just bought some more as interest has just doubled.

Fingers crossed.

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By *iguyyyMan
over a year ago

whitstable

Just dumped £75,000 on them see that happens over the year, not expecting a great deal to be honest but has to be better than £15/£20 a month in a savings account

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By (user no longer on site)
over a year ago

Got some in June.

Have won £25, £25 and £50 so far.

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By * and M lookingCouple
over a year ago

Worcester

Have £5K in bonds.

Had a number of £25 wins and strangely, whenever I log in and go to remove funds we get a win shortly after?

Random.....hmmmmm

We think not!

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By *ablo minibar123Woman
over a year ago

"Just dumped £75,000 on them see that happens over the year, not expecting a great deal to be honest but has to be better than £15/£20 a month in a savings account "

How have you managed that, the most you can put is £50,000?

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By (user no longer on site)
over a year ago

Got about £25k in them, and have won about £1000 in 3 years, I got out of the stock market around this time last year and put that cash into PBs…

I’m glad I did before Ukraine, the cost of living crisis and the supposed ‘natural party of government’ deciding to tank the economy

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By *rHotNottsMan
over a year ago

Dubai & Nottingham

"Got about £25k in them, and have won about £1000 in 3 years, I got out of the stock market around this time last year and put that cash into PBs…

I’m glad I did before Ukraine, the cost of living crisis and the supposed ‘natural party of government’ deciding to tank the economy "

Geez get some financial advice please you can make 2-3x that in banks

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By *arkbaneMan
over a year ago

East lerds

"Do any of you invest in the premium bonds ? .

Have you had any big wins ?

How many do you hold and for how long have you held them ?."

I’ve invested regularly and win about £100 a year every year

Fantastic investment

Better than stock market or savings account

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