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NS&I: Premium Bond reviews

Name: Premium Bond
Rating: 3.55 (150 reviews)

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3.55

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)

Left hand doesnt know what the right hand is doing!!

The worst customer service. A standing order went out of my account and came back from NS&I as there was a computer glitch. They sent me a letter to apologise and if I wanted to invest the money still I would not lose a month. The past two months I have invested the money to enter the following draw but they cannot do it. Even after speaking to a manager who assured me it would happen, it has not! No one takes ownership of the problem I keep on getting fobbed off. Whenever you ring nobody takes ownership even on the E-mails. They might as well not be in the office. Reviewed on: 15th September 2016

poor service

Online access is poor and unreliable and very clunky ....need to catch up with other providers Reviewed on: 14th April 2016

Money is safe

I have had £500 in premium bonds for over 10 years and have never had a win. Should really put the money to better use elsewhere, but keep thinking that a win is just round the corner, so leave it there. At least the money is safe Reviewed on: 28th March 2016

Money is safe

you know that your money is safe and there is always the chance of a big win. However even though I have £1000 invested I have only had one win of £25. There will always be winners and losers but I know my money is safe Reviewed on: 28th March 2016

DONT BANK ON THE BIG ONE

You dont go in the draw immediately - you have to hold for a full calendar month which is disappointing. So far I have has a few small wins of £25 each and I live in hope of something bigger. Have the security though that my money is safe Reviewed on: 28th March 2016

hope to win

This is a safe place for your money and you are not losing much when interest rates are so low. I have £10000 invested and have won £50 in the last 6 months. not much really but I live in hope of the big one Reviewed on: 28th March 2016

Beats standard interest rates

With interest rates so low I wanted some way of boosting my savings without any risk. I have £3k in bonds and have won once in 6 months netting me £25. This beats the poor interest earned on the same amount in my isa plus there's a chance of winning bigger. Reviewed on: 28th March 2016

no wins

money is safe but have got £1000 invested and have never had a win. Still there is always hope and I shall leave it there Reviewed on: 24th December 2015

still hoping

easy enough to buy although you have to hold them for a full month before they go in the draw. Its a bit of fun rather than a proper investment but the money is safe and theres always a chance of a big win Reviewed on: 24th December 2015

live in hope

It was easy to buy the premium bonds. Return not good as I have £1000 worth and am still waiting for a win Reviewed on: 31st August 2015

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NS&I: Premium Bond reviews

200% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review NS&I: Premium Bond now

NS&I Premium Bond reviews (150)

Left hand doesnt know what the right hand is doing!!

poor service

Money is safe

Money is safe

DONT BANK ON THE BIG ONE

hope to win

Beats standard interest rates

no wins

still hoping

live in hope

Do you have a different NS&I product?

Want to see more from NS&I?

Fixed Term Investments

Direct Saver

Income Bonds

Join Smart Money People

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