NS&I has confirmed the winning bond numbers for November 2025 with savers being urged to check if they have won a lump sum this month.
Unlike traditional savings accounts which accrue interest, customers of National Savings and Investments’ (NS&I) signature product are enrolled in a monthly cash lottery.
Each month, two Premium Bonds savers see their lives change overnight as they win £1million each.
For November 2025, the lucky winners are from Shropshire and York, both with £50,000 invested.
The first £1million winner is from Shropshire, with the winning Bond 258GE105589, worth £30,000, purchased in October 2015.
The second £1million prize was won by a saver from York, whose winning Bond 568FY679677, worth £12,000, was bought in February 2024.
NS&I is a Government-backed institution which means means any money someone invests in Premium Bonds is lent to the state. This makes it a risk-free investment option.
While Premium Bonds are primarily known for the £1million prize, savers also have the opportunity to win smaller, but significant, amounts including £100,000, £50,000 and £1,000.
Are you a Premium Bonds prize winner? | GETTY/NS&I Several savers also picked up £100,000 Premium Bonds prizes. One winner from Outer London picked up £100,000 with Bond number 257HV256563, purchased in October 2015. They hold £50,000 in Premium Bonds, with the winning Bond worth £10,000.
Another £100,000 prize went to a saver in Barnet. Their winning Bond number 211GQ660633 was bought in August 2013, and they also hold £50,000 in total, including a £30,000 Bond.
A third winner, from Mid and South West Wales, claimed £100,000 with Bond number 114DL750705, purchased back in August 2006. They hold a much smaller Premium Bonds balance of £9,950, with the winning Bond worth just £500.
Any prizes won from Premium Bonds are tax-free with the minimum someone can invest being £25 and the maximum amount standing at £50,000.
Premium Bonds holders can check to see if they have won a prize via the Premium Bonds prize checker app | NSIAs it stands, the odds of someone having a winning each month is 22,000 to 1 for every £1 bond. According to NS&I, each bond has an equal chance of winning a prize, however someone will have a higher chance of winning if they hold more bonds.
NS&I’s prize fund rate, which is the closest Premium Bonds has to an interest rate, is currently sitting at 3.60 per cent.
Savers can check if they’ve won a Premium Bonds prize in several easy ways. The prize checker will be updated on November 4.
The quickest option is the online prize checker, which shows results from the latest draw, any prizes won in the past six months, and any older unclaimed winnings.
The same information is available through the NS&I prize checker app, which can be downloaded for free from the Apple App Store or Google Play.
Winners can also use Amazon Alexa to check their results by enabling the Premium Bonds prize checker skill. Once activated, Alexa can tell users if they’ve won, when the next draw takes place, and whether they have any unclaimed prizes.
Last month saw two new Premium Bonds millionaires crowned in the October 2025 draw. The first winner, from Scotland, held the winning Bond number 498FZ511907, purchased in April 2022.
Their winning Bond is worth £10,000, and they have a total Premium Bonds holding of £10,150, according to NS&I.
The second £1million prize went to a saver from Greater Manchester with the Bond number 524KB804512, bought in January 2023. That winning Bond is worth just £100, and the winner holds a total of £34,350 in Premium Bonds.
Tom Francis, the head of Digital Advice at Octopus Money, broke down the likelihood of the average Premium Bonds holder winning a big prize from NS&I’s lottery.
Savers can check if they’ve won a Premium Bonds prize in several easy ways
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GETTYHe shared: “Premium Bonds give you a chance to win big – but it’s a slim one, and you’ll likely be left waiting.
“Our research shows Premium Bond holders wait an average of 3.5 years before they win a penny, and the odds are skewed towards those with the biggest holdings: 94 per cent of jackpot winners held over £10,000.
“For the vast majority of everyday savers, they are failing to deliver returns while the money loses value to inflation. “Even I’ve been tempted by the thrill of a prize draw, but if you have failed to win month after month, it might be time to think about where else you could put your money to make it work harder for you.
“Cash ISAs deliver reliable returns, while for many a Stocks and Share ISA can be a great first step into investing.”
