Lucky Premium Bonds winner scoops £50,000 with £45 saving from 51 years ago

One lucky Premium Bonds holder has won £50,000 with just £45 saved in her account.

The winner is from the East Riding of Yorkshire and they purchased their bond an astonishing 51 years ago in September 1974. The £50,000 prize is the third biggest you can get in the Premium Bonds draw, after £100,000 and £1million.

There are two people that win £1million Premium Bond prizes every month. The first £1million winner in the September 2025 draw lives in County Durham and they hold the maximum of £50,000 in Premium Bonds.

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Their winning bond number was 224BZ748917 and they purchased it in June 2014. The second £1million winner lives in Nottingham and they also hold £50,000 in Premium Bonds. Their winning bond number 243VC581367 was purchased in April 2015.

Have you won big on Premium Bonds and want to share your story? Let us know by emailing: mirror.money.saving@mirror.co.uk

NS&I’s Retail Director, Andrew Westhead, said: "Congratulations to our two new jackpot winners from County Durham and Cumbria who've each won £1 million in September’s draw.

“Along with more than six million other prizes we're awarding this month, it's been another fantastic month for Premium Bonds holders.

“We'd also like to remind all Bond holders to keep their contact details up-to-date with us to ensure they don't miss out on being notified of prizes.”

Premium Bonds are a savings product by National Savings & Investment (NS&I) but instead of getting interest on your savings, you're entered into a monthly prize draw.

The prizes start at £25 and go up to £1million - but some months, you may not win anything at all. You get a unique bond number for every £1 invested, and the maximum you can have saved in Premium Bonds is £50,000.

The odds of a bond winning each month are 22,000 to 1 for every £1 bond - but most prizes are for smaller amounts. The prize fund rate - the nearest thing Premium Bonds has to an interest rate - is currently 3.60%.

Premium Bonds are held by around 22.7 million people. If you win a prize, you should be emailed or sent a text message from NS&I and you can then have the money paid into your bank account, or reinvested in Premium Bonds.

You can also use the NS&I online prize checker tool, or the Premium Bonds prize checker app, to see if you've won. The prize fund rate has been slowly decreasing in recent months,which means the number of some larger prizes being handed out has decreased slightly, while the number of smaller prizes being awarded has gone up.

There are still two £1million prizes being given out each month. The most recent prize fund cut happened in the August 2025 draw where it was reduced to 3.60%.