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Derin Clark

Derin Clark

Online Reporter
Published: 01/04/2021

Two premium bond customers will be starting April £1 million richer as the April premium bond prize draw winners have been announced.

The first £1 million winning premium bond number was 323PN679583, which belongs to a premium bond holder in Cumbria. This bond is part of a £50,000 holding that was purchased in February 2018.

The second winning number was 422PG980526, which belongs to a premium bond holder in Lothian and was purchased in November 2020 as part of a £50,000 holding.

In addition to these winners, a further five premium bond holders won the second-best prize of £100,000 and another nine won £50,000. Meanwhile, in this month’s draw a further 20 premium bond holders won £25,000, 48 won £10,000, and 96 won £5,000. Thousands more received prizes ranging from £25 to £1,000. A total of 3,068,376 premium bond holders won prizes in the April draw.

How to check your premium bond number

Premium bond holders can check to see if they have won in the April prize draw by using the prize checker on the site. Alternatively, bond holders can check their number using the official prize checker app or, from the 2 April, via their Alexa-enabled device. In order to check their number, customers will need their premium bond holder’s number to use the website and their NS&I number or holder’s number to check via the app.

How to claim your premium bond prize

NS&I is planning to phase out the use of premium bond prize cheques and is instead enabling customers to have prizes paid directly into their bank account or automatically reinvested into more premium bonds up to the maximum of limit of £50,000. The phasing out of prize cheques is due to begin in spring 2021 but NS&I has confirmed that customers do not need to take any action yet.

Alternatives to premium bonds

Premium bonds have the benefit of offering a tax-free and secure place to deposit savings, but those considering a premium bond should be aware that there is no guarantee of returns on their deposits. As such, even those who deposit the maximum allowance of £50,000 into a premium bond cannot guarantee they will be successful in the monthly prize draw.

For those who want to earn fixed interest on their savings, choosing a fixed rate bond or fixed ISA may be a good option. A fixed rate bond or ISA will guarantee a rate of interest for the fixed term of the account, with fixed rate ISAs having the additional benefit of offering a tax-free savings account up to a maximum of £20,000 for the 2020/21 tax year. While fixed rate savings accounts and ISAs offer a guaranteed rate of interest, savers should be aware that interest rates are low at the moment and, as a result, if inflation increases it may erode savings over the term even with interest added. To see the current best rates on offer, visit our fixed rate bond and fixed rate ISA comparison charts.

Those who are prepared to take a risker option, but who do not want to risk losing their initial deposit, could consider a structured deposit account. These accounts offer the security of the initial deposit being protected, but savers take the risk of not earning any interest on their deposits. A structured deposit will have a fixed term and the level (if any) interest gained will depend on the performance of a stock market index, such as the FTSE 100. For more information about structured deposits, read our guide What is a structured deposit product?.

Consumers looking for a long-term investment and who are willing to risk their initial capital, could consider investing in a stocks and shares ISA. A stocks and shares ISA is tax-free up to an investment of £20,000 for the 2020/21 tax year and money is invested in stocks and shares (bear in mind that the annual £20,000 ISA limit applies across both cash ISAs and stocks and shares ISA combined). Whether a return is generated depends on how the investor’s stocks and shares perform, with the possibility of earning much greater returns than with savings accounts, cash ISAs, and structured deposit accounts, but those considering this option should be aware that they can also result in not generating any returns at all and they could even end up losing their initial deposit. Those considering a stocks and shares ISA can read more about this type of investment on our stocks and shares ISA page.


Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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