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NS&I: Premium Bond reviews

Name: Premium Bond
Rating: 2.89 (150 reviews)

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2.89

Based on 150 reviews, last reviewed 17th Apr 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

13%

42%

Latest highest rating:

5

The process is very simple, the information is easy... The process is very simple, the information is easy to read and I get more back than I would if my money was in an ISA Reviewed on: 17th April 2026

Latest lowest rating:

1

40k in premium bonds for 5 months and only won £175. 40k in premium bonds for 5 months and only won £175. 3 months won nothing. Much better off in shares or high interest savings account. Reviewed on: 6th March 2025

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About this product

NS&I bond reviews are honest reviews written by people like you. While many people look at the interest rates on offer, what about the NS&I's customer service? Smart Money People is fast becoming the UK's leading source of independent NS&I bond reviews. We need your help! By writing your honest reviews, you can help increase trust and transparency in the financial world.

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NS&I Premium Bond reviews (150)

The process is very simple, the information is easy...

The process is very simple, the information is easy to read and I get more back than I would if my money was in an ISA Reviewed on: 17th April 2026

It’sa novel way of saving and a bit of fun.

It’sa novel way of saving and a bit of fun. Reviewed on: 24th March 2026

Tax free savings, instant access and the joy of drea...

Tax free savings, instant access and the joy of dreaming for the big win! Reviewed on: 28th February 2026

Do you feel lucky?

Better chances with more saved, but also missing regular interest. Just a chance to win a large amount, all depends on how lucky you feel Reviewed on: 13th June 2025

Premium Bonds are worth holding, I think....

Returns on Premium Bonds are generally average, with the slim chance of above average winnings each month. Winnings are not taxable which is a bonus. Reviewed on: 12th June 2025

Since early 1960’s.

I bought £30 worth in the early 1960s (when they were £1) and have had several wins of £25.. Last December I won £25 and this April another £25. Just luck of the draw.. I now have £575 in as I leave them to be reinvested, and am thinking of putting more money into them.. It’s nice when you receive an envelope telling you that you have won £25. Reviewed on: 23rd May 2025

40k in premium bonds for 5 months and only won £175.

40k in premium bonds for 5 months and only won £175. 3 months won nothing. Much better off in shares or high interest savings account. Reviewed on: 6th March 2025

Safe but worth it as interest rates rise?

Used to be a dead cert for somewhere to keep money safe when savings interest rates were next to %zero. Now savings rates are returning a sum of sorts it's worth thinking if gambling £50 a month guaranteed loss of interest is worth it versus potential winnings. Reviewed on: 27th February 2025

Can't withdraw my money.

Can't withdraw my money. Absolute disgrace. Reviewed on: 5th February 2025

Make it impossible to cash out premium bonds - do no...

Make it impossible to cash out premium bonds - do not buy them!!! Reviewed on: 24th January 2025

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