{"id":5011,"date":"2022-08-14T12:29:12","date_gmt":"2022-08-14T12:29:12","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=5011"},"modified":"2022-08-22T10:27:44","modified_gmt":"2022-08-22T10:27:44","slug":"premium-bonds-an-explanation","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/","title":{"rendered":"Premium Bonds: An explanation"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/#What_are_premium_bonds\" >What are premium bonds?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/#What_happens_when_you_buy_premium_bonds\" >What happens when you buy premium bonds?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/#Positives\" >Positives<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/#Negatives\" >Negatives<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/banking\/savings-accounts\/premium-bonds-an-explanation\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_premium_bonds\"><\/span>What are premium bonds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium bonds are an alternative way to save your money. It is all online and very simple to use making it accessible most people. What you have to do is go onto the <a href=\"https:\/\/www.nsandi.com\/products\/premium-bonds\" target=\"_blank\" rel=\"noreferrer noopener\">NS&amp;I website<\/a> and buy premium bonds. Each bond is worth \u00a31, and you can put as much money as you want however, it must be more then \u00a325. But what happens once you have bought these bonds?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_happens_when_you_buy_premium_bonds\"><\/span>What happens when you buy premium bonds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Once you\u2019ve bought the bonds they are entered into a draw. The best way to describe this is like the lottery. Each one of your bonds has its own unique number and each month a set amount of numbers are chosen. The draw is done randomly and if you win you can win a set amount of money. This prize money can range from \u00a325 to \u00a31,000,000. It is also important to note that the more money you invest the higher chance of winning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Positives\"><\/span>Positives<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Alternatively, to the regular lottery, where if your number isn\u2019t drawn you lose money, this doesn\u2019t happen in this case. The amount of money you invest will never devalue; it can only ever increase in value.<\/p>\n\n\n\n<p>At the time of writing interest rates are low, meaning in a regular savings account the bank adds a very minimal amount. However, with premium bonds you can win any amount from \u00a325 to \u00a31,000,000. Even if you win one draw worth \u00a325, you will still gain more then you would from a regular savings account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Negatives\"><\/span>Negatives<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The main issue is the fact that you aren\u2019t guaranteed a win in the lottery. You could own the premium bonds for a year, continually adding to the value. However, you could never win on any draw so whilst you don\u2019t lose anything you also don\u2019t gain anything.<\/p>\n\n\n\n<p>The other issue is the delay it takes to cash in on your money. If you have a regular savings account, you can transfer money over into your current account. This will be done immediately and its easy to do as well. However, with premium bonds you have to go online to their website and cash in. While this is simple enough to do there is a waiting period of two to five days. This can be rather annoying if you need the money quickly in order to pay for something.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In conclusion, premium bonds are easy to acquire and to set up on the website. Whilst there are a few little issues here and there, there are also far more benefits to it. This is why we believe that it is a viable alternative to a standard savings account.<\/p>\n\n\n\n<p>To read more about other saving methods <a href=\"https:\/\/www.check.co.uk\/blog\/\" target=\"_blank\" rel=\"noreferrer noopener\">click here<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"We all try to save money at some point in our lives and typically do this by putting money into a savings account. However, in this article we look at the alternative of premium bonds. We discuss what they are, their positive, negatives and if they are worth it.\n","protected":false},"author":20,"featured_media":4457,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[266],"tags":[470,477,616,335,774,482,785,245],"class_list":{"0":"post-5011","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-savings-accounts","8":"tag-first-home","9":"tag-first-time-buyer","10":"tag-first-time-homebuyer","11":"tag-money-saving","12":"tag-saving","13":"tag-saving-for-a-deposit","14":"tag-saving-tips","15":"tag-sav"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2020\/04\/josh-appel-NeTPASr-bmQ-unsplash.jpg","author_info":{"display_name":"Oliver Rose","author_link":"https:\/\/www.check.co.uk\/blog\/author\/oliver-roseaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Premium Bonds: An explanation | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"We all want to save money whether to put down a deposit or as a safety net. 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