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NS&I: Premium Bond reviews

Name: Premium Bond
Rating: 3.68 (152 reviews)

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3.68

Based on 152 reviews, last reviewed 11th Jun 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

37%

13%

41%

Latest highest rating:

5

Great product Great customer experience was received when I needed to find out further information. The query was dealt with swiftly and professionally. Reviewed on: 11th June 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 (152)

Great as an emergency fund

You really need to invest a five digit amount for premium bonds to be worth it, and you won't earn as much as by investing in stocks and shares, but the ease of access makes it the perfect fit for an emergency fund. It's also fun to check if you've won each month. And the prospect of having a small chance of becoming a millionaire is exciting. Returns are much better than entering the National Lottery. Reviewed on: 24th February 2023

They are Best

It's a good way for save money for children future without paying any fees or tax. And easy to transfer money in app. Reviewed on: 18th February 2023

Total nightmare - stay well clear

6 months trying to access and with draw y children's money, they throw every obstacle at you so that you just don't bother 40 minuets on hold every time when phoning mindless forms that keep getting repeatedly sent. STILL NO MONEY Reviewed on: 17th February 2023

Good investment

Premium bonds are a good long-term investment. It's easy to set up or invest more money, the app works well and I always feel encouraged to invest more in the future. Reviewed on: 8th February 2023

Good fun, safe

Great option for higher rate tax payers Reviewed on: 1st February 2023

Never again

A nightmare just to get in... several different numbers and now two step authentication. Telling me to change my browset . I want a simple life Reviewed on: 8th December 2022

Frustrating. Unbelievably poor.

I don't where to start!! So here goes. 45 mins I was on the phone this afternoon to try and find out if my text message was genuine that I was one of the monthly winners. Checked on my app too and I wasn't. Reviewed on: 6th December 2022

Frustration is the only guarantee

After weeks of not being able to log in, several long calls (mostly in a queue) and nice but useless staff (because of the issues not the individuals) I have tried to pull my money out and you need another number that you need to login to obtain, see where this is going? Im in the circle of doom. sack some bosses here its shambolic. Reviewed on: 10th November 2022

"customer services", which is a misnomer.

Rubbish, unable to get beyond a certain point, used to be easy to buy at the post office. Unable to get through on phone to so called helpline Reviewed on: 10th November 2022

Pain in arse

Made a whole new security authentication device lark and what a load of pish. If they’ve updated the old caveman ways and just had it easy normal security NS&I then it would be so much better. The people on chat couldn’t be arsed trying to help you online. The rates are ok for a child’s saving but ever winning anything monthly is not frequent. All these half whits who's put in a lot of money in a very short time seem to win it big !! Reviewed on: 7th November 2022

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