How to Check Your Old Premium Bonds: A Comprehensive Guide

Have you ever rummaged through old files and stumbled upon a Premium Bond certificate? Or perhaps you’ve inherited some from a relative and are wondering if they’ve ever won anything? Checking old Premium Bonds can seem daunting, but with the right approach, it’s a straightforward process. This comprehensive guide will walk you through everything you need to know, from gathering information to utilizing the various checking methods available. Let’s get started!

Why Check Old Premium Bonds?

Before diving into the “how,” let’s address the “why.” Premium Bonds are a unique savings product offered by National Savings and Investments (NS&I) in the UK. Instead of earning interest, your bonds are entered into a monthly prize draw. While the odds of winning are relatively slim, the prizes can be substantial, ranging from £25 to £1 million. Millions of pounds in prizes go unclaimed each month, often because people have moved address and haven’t updated their details with NS&I, or simply forgotten they owned the bonds. Checking your old Premium Bonds could uncover a hidden windfall!

Step 1: Gather Your Information

The first and most crucial step is gathering all the relevant information you can find. This will make the checking process significantly easier and faster. Here’s what you should be looking for:

* **Bond Numbers:** This is the most important piece of information. Each bond has a unique number, usually printed on the Premium Bond certificate. If you have multiple certificates, gather all the bond numbers.
* **Holder’s Number (NS&I Number):** This is an account number, usually 11 digits long, that identifies the bondholder with NS&I. It’s often found on statements or other correspondence from NS&I.
* **Name and Address:** The full name and address of the bondholder as it was registered when the bonds were purchased. This is crucial for verification purposes.
* **Date of Birth:** The bondholder’s date of birth can be used to verify identity, especially if you don’t have the holder’s number.
* **Approximate Purchase Dates:** Knowing when the bonds were purchased, even approximately, can help narrow down the search.
* **Value of the Bonds:** Knowing the total value of the bonds helps in identifying and verifying them.
* **Death Certificate (if applicable):** If the bondholder is deceased, you’ll need a copy of the death certificate to manage the bonds.

**Where to Find This Information:**

* **Premium Bond Certificates:** These are the primary source of bond numbers. They may be physical certificates or digital records (if the bonds were purchased online).
* **NS&I Statements:** If the bondholder received regular statements from NS&I, these will contain the holder’s number, bond values, and potentially a list of bond numbers.
* **Bank Statements:** Look for any transactions related to NS&I or Premium Bond purchases.
* **Wills and Estate Documents:** If you’re checking bonds on behalf of a deceased person, their will and other estate documents may contain information about the bonds.
* **Online NS&I Account:** If the bondholder had an online NS&I account, you can access all their bond information there.

## Step 2: Choose Your Checking Method

Once you’ve gathered your information, you can choose from several methods to check your old Premium Bonds:

1. **NS&I Online Prize Checker:**

* This is the quickest and easiest method if you have the bond numbers or holder’s number.
* Visit the NS&I website ([https://www.nsandi.com/](https://www.nsandi.com/)) and navigate to the Prize Checker section. Look for a prominent link or search for “Premium Bond Prize Checker.”
* You’ll typically be asked to enter either your bond numbers or your holder’s number.
* The Prize Checker will tell you if any of your bonds have won in the most recent prize draw and the previous six draws. It’s important to note that this online checker only shows results for recent draws.
2. **NS&I App:**

* NS&I also offers a mobile app for both iOS and Android devices.
* The app functions similarly to the online Prize Checker, allowing you to check for recent winnings using your bond numbers or holder’s number.
* The app also offers other features, such as managing your NS&I account and updating your details.
3. **NS&I Website – Registering or Logging into Your Account:**

* If the bondholder has an existing online NS&I account, you can log in and view all their Premium Bond holdings, including a history of any prizes won.
* If the bondholder doesn’t have an online account, you can register for one. You’ll need to provide your holder’s number and other personal information for verification. Registration will only work if the name and address that you provide match the details that NS&I holds on record for you.
* This method provides the most comprehensive view of your Premium Bonds and their history.
4. **Write to NS&I:**

* If you don’t have the bond numbers or holder’s number, or if you prefer a more traditional approach, you can write to NS&I.
* This method is also suitable if you’re dealing with bonds held by a deceased person.
* You’ll need to provide as much information as possible, including the bondholder’s full name, address, date of birth, and approximate purchase dates and values of the bonds.
* Send your letter to:

NS&I
Glasgow
G58 1SB
United Kingdom

* Be sure to include copies of any relevant documents, such as Premium Bond certificates, statements, or death certificates (if applicable). Do NOT send original documents.
* NS&I will search their records based on the information you provide and will contact you with the results. This method can take several weeks or even months, depending on the complexity of the search and the volume of inquiries NS&I is handling.
5. **Telephone NS&I:**

* You can also contact NS&I by phone. However, keep in mind that they may have security protocols that will restrict their ability to release certain information over the phone without proper identification.
* Their phone number is 08085 007 007. Call costs may apply depending on your phone provider.
* Have as much information ready as possible before calling, including the bondholder’s name, address, date of birth, and any bond numbers or holder’s number you have.
* This method is generally best for quick inquiries or to follow up on a written request.

## Step 3: Using the NS&I Online Prize Checker (Detailed Instructions)

Let’s break down the process of using the NS&I Online Prize Checker in more detail:

1. **Access the Prize Checker:**

* Open your web browser and go to the NS&I website ([https://www.nsandi.com/](https://www.nsandi.com/)).
* Look for the “Prize Checker” link. It is often prominently displayed on the homepage or in the “Premium Bonds” section. You can also use the website’s search function and type in “Prize Checker.”
2. **Enter Your Information:**

* You’ll be presented with two options: Check by bond number or check by NS&I number (holder’s number). Choose the option that corresponds to the information you have available.
* **Checking by Bond Number:** Enter the bond number(s) in the designated field. You can enter multiple bond numbers, usually separated by commas or spaces. Be sure to enter the numbers accurately, paying attention to any leading zeros or special characters.
* **Checking by NS&I Number (Holder’s Number):** Enter the 11-digit NS&I number in the designated field, along with the bondholder’s last name and date of birth. This allows you to check all bonds associated with that account.
3. **Submit Your Query:**

* Once you’ve entered the required information, click the “Check” or “Submit” button.
4. **View the Results:**

* The Prize Checker will display the results of your search. It will show whether any of your bonds have won in the most recent prize draw and the previous six draws.
* If you’ve won, the results will show the value of the prize and the bond number that won.
* If you haven’t won, the results will indicate that none of your bonds have won in the specified period. Remember that the Prize Checker only shows the results for the last six months or so. It doesn’t give you a complete history of all winnings since the bonds were purchased.

**Important Considerations When Using the Online Prize Checker:**

* **Accuracy:** Double-check that you’ve entered the bond numbers or NS&I number correctly. Even a single digit error can lead to inaccurate results.
* **Recent Draws Only:** The online Prize Checker only shows results for recent draws (typically the last six months). To check for older winnings, you’ll need to use another method, such as writing to NS&I.
* **Website Availability:** The NS&I website may be unavailable at times due to maintenance or high traffic. If you encounter any issues, try again later.
* **Security:** Be sure to use a secure internet connection when accessing the NS&I website and entering your personal information. Look for the padlock icon in your browser’s address bar.
## Step 4: Checking Old Premium Bonds Held by a Deceased Person

Dealing with Premium Bonds held by a deceased person requires a slightly different approach. Here’s a step-by-step guide:

1. **Obtain a Death Certificate:** You’ll need an official copy of the death certificate to prove that the bondholder is deceased.
2. **Gather Information:** Collect as much information about the bonds as possible, including:

* Bond numbers
* Holder’s number (NS&I number)
* Deceased’s full name and address
* Date of birth
* Approximate purchase dates and values of the bonds
* Will and estate documents (if available)
3. **Contact NS&I:** The best way to proceed is to write to NS&I, providing them with all the information you’ve gathered and a copy of the death certificate.

* Send your letter to:

NS&I
Glasgow
G58 1SB
United Kingdom
* Explain that you’re trying to trace Premium Bonds held by a deceased person and include all the relevant details.
4. **NS&I’s Response:** NS&I will search their records based on the information you provide. They may ask for additional documentation, such as a copy of the will or grant of probate, to verify your authority to manage the bonds.
5. **Managing the Bonds:** Once NS&I has confirmed the bond holdings, you’ll have several options:

* **Transfer the Bonds:** You can transfer the bonds to the beneficiary named in the will.
* **Cash in the Bonds:** You can cash in the bonds and distribute the proceeds to the beneficiaries.
* **Retain the Bonds (Subject to Rules):** In some cases, you may be able to retain the bonds in the name of the estate, subject to certain rules and limitations. Contact NS&I to discuss this option.

**Important Considerations When Dealing with Deceased’s Bonds:**

* **Probate:** If the deceased’s estate is subject to probate, you’ll need to obtain a grant of probate before you can manage the bonds.
* **Inheritance Tax:** The value of the Premium Bonds will be included in the deceased’s estate for inheritance tax purposes.
* **NS&I Forms:** NS&I will provide you with specific forms to complete depending on your chosen course of action (transfer, cash in, etc.).
* **Timeframe:** Be prepared for the process to take some time, as NS&I needs to verify the information and process the necessary paperwork.
## Step 5: What if You Don’t Have the Bond Numbers?

Don’t panic if you can’t find the Premium Bond numbers. You can still try to trace your bonds by providing NS&I with as much information as possible:

1. **Gather All Available Information:** As mentioned earlier, collect the bondholder’s full name, address, date of birth, approximate purchase dates, and values of the bonds.
2. **Write to NS&I:** Send a detailed letter to NS&I explaining your situation and providing all the information you’ve gathered.
3. **Search NS&I Records:** NS&I will search their records based on the information you provide. The more accurate and complete your information is, the better the chances of finding your bonds.
4. **Possible Outcomes:**

* **Bonds Found:** If NS&I is able to locate your bonds, they will provide you with the bond numbers and information about any prizes won.
* **Bonds Not Found:** If NS&I is unable to find your bonds, it’s possible that the information you provided was insufficient, or that the bonds were never actually purchased.

**Tips for Tracing Bonds Without Bond Numbers:**

* **Be Persistent:** Don’t give up easily. It may take several attempts and multiple pieces of information to trace your bonds.
* **Check Old Records:** Thoroughly search through old bank statements, receipts, and other documents for any clues related to Premium Bond purchases.
* **Contact the Purchaser:** If you know who purchased the bonds (e.g., a parent or grandparent), try to contact them or their estate to see if they have any records.
* **Consider Professional Help:** If you’re struggling to trace your bonds on your own, you may want to consider hiring a professional tracing service. However, be aware that these services typically charge a fee.

## Step 6: Updating Your Details with NS&I

To avoid losing track of your Premium Bonds and missing out on potential prizes, it’s crucial to keep your details up to date with NS&I. This includes your address, name (if you’ve changed it), and bank account details.

**How to Update Your Details:**

1. **Online Account:** The easiest way to update your details is through your online NS&I account. Simply log in and navigate to the “Your Details” section.
2. **NS&I App:** You can also update your details using the NS&I app.
3. **Phone:** Call NS&I on 08085 007 007.
4. **Letter:** You can also write to NS&I to update your details. Be sure to include your holder’s number, old details, and new details, along with your signature.

**Why Updating Your Details is Important:**

* **Prize Notifications:** If you win a prize, NS&I will send you a notification to your registered address. If your address is outdated, you may miss out on the notification.
* **Warrant Reissues:** If a prize warrant (cheque) is undeliverable, NS&I will need your correct address to reissue it.
* **Account Security:** Keeping your details up to date helps to protect your account from fraud and unauthorized access.
* **Easy Management:** Accurate details make it easier to manage your Premium Bonds and access NS&I services.

## Step 7: Claiming Unclaimed Prizes

NS&I actively tries to reunite people with unclaimed Premium Bond prizes. If you believe you may have unclaimed prizes, you can use the NS&I website to search for them.

**How to Search for Unclaimed Prizes:**

1. **Visit the NS&I Website:** Go to the NS&I website ([https://www.nsandi.com/](https://www.nsandi.com/)).
2. **Search for Unclaimed Prizes:** Look for a link or section specifically dedicated to unclaimed prizes. You can also use the website’s search function and type in “unclaimed prizes.”
3. **Enter Your Details:** You’ll be asked to enter your name, address, and date of birth.
4. **View the Results:** The website will search its records and display any unclaimed prizes associated with your details.

**Claiming Your Unclaimed Prizes:**

If you find any unclaimed prizes, follow the instructions on the NS&I website to claim them. You may need to provide additional documentation to verify your identity.

**Why Prizes Go Unclaimed:**

* **Moved Address:** The most common reason for unclaimed prizes is that people have moved address and haven’t updated their details with NS&I.
* **Forgotten Bonds:** Some people simply forget that they own Premium Bonds.
* **Incorrect Details:** If your details are incorrect in NS&I’s records, they may not be able to contact you about your winnings.

## Additional Tips and Considerations

* **Keep Your Certificates Safe:** Store your Premium Bond certificates in a safe place, such as a locked filing cabinet or safety deposit box.
* **Consider Digital Records:** If you prefer, you can register your Premium Bonds online and manage them digitally. This can help to prevent loss or damage to your certificates.
* **Be Patient:** Tracing old Premium Bonds can take time, especially if you don’t have the bond numbers. Be patient and persistent, and don’t give up easily.
* **Beware of Scams:** Be wary of unsolicited emails or phone calls claiming to be from NS&I. Always verify the authenticity of any communication before providing personal information. NS&I will never ask for your bank account details or passwords via email or phone.
* **NS&I’s Commitment:** NS&I is committed to helping people trace their Premium Bonds and claim any unclaimed prizes. They have a dedicated team to assist you with your inquiries.

## Conclusion

Checking your old Premium Bonds can be a worthwhile endeavor, potentially uncovering a hidden windfall. By following the steps outlined in this guide, you can systematically gather information, choose the appropriate checking method, and navigate the process of tracing your bonds. Remember to keep your details up to date with NS&I to avoid missing out on future prizes. Good luck with your search, and who knows, you might just be a winner!