Four fortunate Premium Bonds holders have been awarded £100,000 each for their bonds purchased in December. These winning bonds became eligible starting from the February 2026 draw as the ownership requirement mandates a full month’s ownership for inclusion. One of the £100,000 winners bought a £50 bond in December 2025.
Residing in Essex, the first winner possesses a total of £19,150 in Premium Bonds. The second winner, based in Brighton and Hove, holds £38,025 in Premium Bonds with a winning bond value of £13,000. The final two winners, each holding £50,000 in Premium Bonds, live in Cheshire and Hampshire and the Isle of Wight.
In each monthly draw, two £1 million Premium Bond prizes are distributed. Notably, one of the February 2026 £1 million winners resides in Liverpool, while the other winner hails from Central Bedfordshire.
Premium Bonds, a savings product offered by National Savings & Investment (NS&I), differ from traditional savings accounts by entering bondholders into monthly prize draws instead of providing a fixed interest rate. Prize amounts range from £25 to £1 million, with a higher frequency of smaller prizes compared to the larger sums. The maximum amount that can be saved in Premium Bonds is £50,000, with each £1 investment corresponding to a unique bond number.
The odds of winning a prize with each bond in the monthly draw are 22,000 to 1. Winners are notified through email or text message by NS&I and can choose to receive their prize money in their bank account or reinvest it in Premium Bonds. A prize-checking tool is available online for bondholders to verify if they have won.
Currently, the prize fund rate for Premium Bonds, akin to an interest rate, stands at 3.60%, unchanged since the August 2025 draw. Recent data revealed the regions with the highest occurrence of Premium Bond prize winners, with Hampshire and the Isle of Wight leading the list with 42 £100,000 winners in 2025. Essex, Outer London, Norwich, and Cumbria were also highlighted for notable prize wins in the previous year.