How do I cash in premium bonds or close my account? Should I put my savings into premium bonds? If you already hold premium bonds, you'll be asked for your holder's number. If you live outside the UK If you live abroad you can apply for premium bonds by post and winnings can be paid into an international bank account. Compare savings accounts. See the latest savings deals on Which? Money Compare. Compare Savings Accounts. Continue reading.
All 2 articles in guide. Seven things you should know about Junior Isas. Which bank offers the best savings account — and how much should you be putting away? Premium bond winners in November: could you have a prize without knowing it? Related guides in Which? In Tax. Income tax on savings and investments. Tax-free savings The personal savings allowance explained. All 6 guides. In Compare ISAs.
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How will we manage? More must reads Which banks are winning the current account switching war? This compares to bank and building society savings accounts, which in the event of the provider going bust, are regulated by the Financial Services Compensation Scheme.
I say it is a perk for some people because most of us have a personal savings allowance PSA. Your winnings can buy more bonds. You may not want to tie your cash up in a fixed-term savings account where you lock up your money up to get a better interest rate , or take the more risky route of investing in the stock market. In that respect, Premium Bonds are a form of gambling akin to buying National Lottery tickets rather than being a savings or an investment account.
The actual cash you put into Premium Bonds is safe and remains intact. It comes down to the type of person you are. Does the element of surprise give you the feel-good factor?
But these sorts of calculations are tricky and should not be relied upon. This is because there are multiple prizes each month. The value of the total prize draw also changes each month as it reflects the number of bonds that customers have. If you think you might prefer a regular interest rate: Top savings accounts in Both are long shots.
This refers to the average prize pay out. However, the odds of winning nothing can be high depending on how much you have invested and the calculations are not straightforward. The interest rate applies to the average customer who has an average amount of luck. However, the annual prize fund rate can be used as a guide when comparing Premium Bonds to putting money in a savings accoun t, where you do have a guarantee of earning interest.
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