Premium Bonds Winners November 2026: Who Won £1m?

Premium Bonds winners for November 2026 are in, and two savers have just become millionaires. One lives in Outer London and the other in Shropshire. This draw is also special. It lands exactly 70 years after the first Premium Bonds went on sale in November 1956. So, did you win? Below, we explain who won and how many prizes were paid. We also show how to use the Premium Bonds prize checker on 3 November.

Premium Bonds Winners November 2026: The Two £1 Million Jackpots

Premium Bonds are run by National Savings and Investments (NS&I), the savings bank owned by the UK government. Each month, its random number machine, called ERNIE, picks two £1 million jackpot bonds.

According to the NS&I announcement published by IFA Magazine, the two winning bonds were:

• 175WW854599, held by a saver in Outer London. They bought the bond in December 2010 and hold £30,000 in total. They are the 13th jackpot winner from Outer London.
• 652GW962089, held by a saver in Shropshire. They bought the bond in November 2025 and hold the maximum £50,000. They are the fifth jackpot winner from the county.

Both winners got a home visit from NS&I’s “Agent Million”. Their names stay private. The Shropshire Star also notes the Shropshire saver woke up “considerably richer” this week.

Interestingly, the two bonds show how random the draw is. One was bought almost 16 years ago. The other was bought just a year ago.

How Many Prizes Were Paid in the November Draw?

This month’s pot passed half a billion pounds. In total, 6,575,175 tax-free prizes worth £500,535,100 will be paid. That is up from £498,378,775 in October, according to the NS&I October release.

There were also 138,078,654,170 eligible £1 bonds in the draw. Here is the full prize breakdown:

Prize value	Number of prizes
£1,000,000	2
£100,000	96
£50,000	192
£25,000	385
£10,000	962
£5,000	1,922
£1,000	20,020
£500	60,060
£100	2,381,417
£50	2,381,417
£25	1,728,702
Total	6,575,175 (£500,535,100)

As we can see, most prizes are small. The £25, £50 and £100 prizes make up the vast bulk of winners.

Local Winners Across the UK

Local papers are already counting big wins in their areas. For example, the NW Mail reports a £100,000 winner in Cumbria. Westmorland and Furness had 102 high-value wins, while Cumberland had 93. Together, those prizes add up to £635,000.

Meanwhile, the official NS&I high-value winners list shows £100,000 winners in places like Edinburgh, Devon, Kent, Cardiff and Birmingham.

Premium Bonds Prize Checker: How to See If You Won

The jackpot numbers come out on the first working day of the month. However, the full results for prizes from £25 to £100,000 arrive a day later. For this draw, that is Tuesday 3 November 2026.

The NS&I Premium Bonds page lists three ways to check:

1. The prize checker app. It is free on the Apple App Store and Google Play. It shows this month’s prizes and anything won in the last six draws. You can log in with your holder’s number or your NS&I number.
2. The online prize checker. Visit the NS&I prize checker page and enter your holder’s number.
3. Amazon Alexa. Say “enable the Premium Bonds prize checker skill”, then ask if you have won.

Your holder’s number links all your bonds together. It is different from your NS&I number, so keep both safe.

How Premium Bonds Winners Get Paid

Most winners get money straight into their bank account. NS&I says this usually happens by the 7th working day of the month. Alternatively, you can reinvest prizes into more bonds, which then enter the very next draw.

If you win £25,000, £50,000 or £100,000, NS&I sends a claim form first. You must return it before the money is paid.

Odds and Prize Fund Rate Right Now

Premium Bonds do not pay interest. Instead, NS&I uses a prize fund rate to decide how much money goes into the monthly prize pot.

The current rate is 4.35%, and the odds are 21,000 to 1 for each £1 bond. NS&I improved both from the September 2026 draw. Before that, they were 3.80% and 22,000 to 1, as its August 2026 announcement explains. Some older guides still quote the previous figures, so it pays to check the source.

Still, the prize fund rate is an average. It is not what a typical saver earns. Many holders win nothing in a given month, while a lucky few win big. Your money is safe, though, because NS&I is backed by HM Treasury.

Key Rules for Holding Bonds

• The minimum purchase is £25, and the maximum holding is £50,000.
• New bonds must be held for one full calendar month before they enter a draw. Bonds bought in November join the January draw.
• All prizes are free from UK Income Tax and Capital Gains Tax.
• You can cash in all or part of your bonds at any time.

Tax-free prizes matter more as tax rules tighten. For context, see our look at the tax on savings interest for over-65s.

Check for Unclaimed Premium Bonds Prizes Too

Not every prize finds its owner. Right now, there are 2,886,763 unclaimed prizes worth £129,571,000, according to NS&I. Most go unclaimed because people move house or change bank details.

In Outer London alone, two £100,000 prizes are still waiting, from February 2007 and June 2023. In Shropshire, a £25,000 prize from January 2025 is still unclaimed.

So, it is worth entering your holder’s number even if you stopped checking years ago. Updating your contact and bank details also helps future prizes reach you.

70 Years of Premium Bonds Winners

Chancellor Harold Macmillan launched Premium Bonds in his April 1956 Budget. On the first sale day, 1 November 1956, savers bought £5 million of bonds. The first draw followed in June 1957.

Since then, ERNIE has drawn 871.5 million prizes worth £43.8 billion. The jackpot started at £1,000 and rose to £1 million in April 1994. Since then, there have been 590 millionaires. Today, more than 22 million people hold Premium Bonds, as The Independent reports.

What This Means for UK Savers

Premium Bonds offer safety and a little excitement. Yet they suit some savers better than others. If you want steady, predictable income, a fixed rate account or cash ISA may fit better. Our guide to UK ISA allowances and the 2027 cash cap covers that side.

Interest rates also shape the prize fund rate. NS&I changes it when the Bank of England base rate or market rates move. You can follow that story in our report on the Bank of England holding rates at 3.75%. For past draws, see our September Premium Bonds draw coverage. And for wider household costs, read our explainer on council tax bands and the £100 energy payment.

Conclusion

The November 2026 Premium Bonds winners include two new millionaires from Outer London and Shropshire. In addition, more than 6.5 million other savers will share a record £500.5 million. Full results land on Tuesday 3 November. So, grab your holder’s number and check the app, the website or Alexa. While you are there, look for old unclaimed prizes too.

FAQs

Who are the Premium Bonds winners for November 2026?

The two £1 million Premium Bonds winners for November 2026 live in Outer London and Shropshire. Their winning bond numbers are 175WW854599 and 652GW962089.

When can I check my November 2026 Premium Bonds prizes?

Full results for prizes from £25 to £100,000 are available on Tuesday 3 November 2026. You can use the NS&I app, website or Alexa.

How do I use the Premium Bonds prize checker?

Enter your holder’s number on the NS&I prize checker page. Or use the free app with your holder’s number or NS&I number.

What are the odds of winning Premium Bonds right now?

The odds are 21,000 to 1 for each £1 bond in each monthly draw. The annual prize fund rate is 4.35%, and both can change.

Are Premium Bonds prizes taxed?

No. All Premium Bonds prizes are free from UK Income Tax and Capital Gains Tax.

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Disclaimer: This article is for informational purposes only and is not financial advice. Always do your own research or consult a licensed financial advisor before making investment decisions.