Comparison
Chip Prize Savings vs Premium Bonds: The Truth Behind "3.5x Better Odds"
Chip claims 3.5x better odds than Premium Bonds. We verify the maths and reveal what they don't tell you about expected returns and prize variance.
Read Article →Premium Bonds Blog
Expert articles, guides, and analysis to help you make the most of your Premium Bonds investment.
Featured Articles
Statistical Analysis
Premium Bonds Median Returns Analysis
Monte Carlo analysis reveals typical returns are far below the 3.6% prize fund rate. See what you'll really win at different holding levels.
Read Article →Tips & Tricks
How to Cash Out Specific Premium Bonds Online (Without Using Post)
Most holders don't know you can choose exactly which bonds to cash out online — no postal form required. Here's the hidden NS&I form.
Read Article →Technology
What Is ERNIE? The Quantum Technology Behind Premium Bonds
From Bletchley Park codebreakers to quantum physics: the fascinating story of how ERNIE generates truly random numbers for every Premium Bonds draw.
Read Article →Comparison
Premium Bonds vs ISA: Which Is Better for Your Savings in 2025?
Compare Premium Bonds against Cash ISAs, Stocks & Shares ISAs, and Lifetime ISAs. Find out which savings option gives the best returns for your tax situation.
Read Article →Budget Analysis
Autumn 2025 Budget: What ISA Changes Mean for Your Savings
Cash ISA limits cut to £12,000 for under-65s, savings tax rates increasing to 22%/42%/47%. What it means for Premium Bonds holders.
Read Article →Research
The Average Premium Bond Holding: Why 63% Never Win
Shocking FOI data reveals 14.4M holders never win...
Read Article →Analysis
Are Premium Bonds Worth It in 2025?
Comprehensive analysis of Premium Bonds returns, odds, and whether they're still a good investment in today's rate environment.
Read Article →Tool Guide
How to Check Premium Bonds
Complete guide to checking if you've won on your Premium Bonds using NS&I's tools and our advanced checker.
Read Article →Comparison
Premium Bonds vs Savings Accounts
Detailed comparison of Premium Bonds versus traditional savings accounts in the current interest rate environment.
Read Article →Guide
Understanding Premium Bonds Odds
Premium Bonds odds explained: How 1 in 22,000 works, your actual winning chances by holding amount, and realistic expectations.
Read Article →Comparison
Premium Bonds vs Stocks & Shares ISA
Which delivers better long-term returns? Complete comparison of risk, returns, and tax benefits for 2025.
Read Article →Strategy
Premium Bonds for Retirement
Are Premium Bonds good for retirement savings? Analysis of returns, accessibility, and tax benefits for retirees.
Read Article →Tool Guide
Monthly Prize Check Guide
Step-by-step guide to checking Premium Bonds prizes monthly. All methods explained: app, website, and ERNIE.
Read Article →Strategy
£50,000 Maximum Holdings Strategy
Is holding the full £50,000 limit worth it? Returns, odds, and optimization guide for maximum holdings.
Read Article →Analysis
Is £10,000 in Premium Bonds Worth It?
Detailed analysis of expected returns, odds, and comparison with savings accounts for a £10,000 investment.
Read Article →Tools & Calculators
Premium Bonds Calculator
Calculate your expected returns and see detailed statistical analysis for any investment amount.
Try CalculatorComparison Tool
Compare Premium Bonds with savings accounts and see which option is best for your situation.
Compare OptionsPortfolio Optimizer
Discover the optimal allocation between Premium Bonds, ISAs, and savings accounts.
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