You can also write to us and request a replacement Bond record if you aren’t registered for our online or phone services.
How do I find out whether I have any bonds in my name?
Ask your family members whether they have ever opened a bond in your name to see if there are any outstanding bonds in your name. Call your parents, grandparents, aunts and uncles, and anybody else you think might have bought a bond in your name in the past. After sifting through their filing cabinets, the family member may be able to discover the bond and hand it over to you for redemption.
How far back can Premium Bonds be checked?
Claims have no time limit, so you can go back as far as you like. Here’s how to get your hands on any prizes that haven’t been claimed yet: To begin your claim, call 08085 007 007 if you are a registered user of NS&I’s online and phone services.
How do I check the status of my savings bonds?
The data on all matured savings bonds with Social Security numbers in their inscription has been expanded from around 200,000 to over 4 million records. Visit the Public Debt website, www.treasurydirect.gov, to learn more about Treasury Hunt.
What is the best way to see if I have a savings bond?
Look around your home for any signs of uncashed savings bonds. Check to see if the paper certificates have matured if you find them. 2. Go to the Treasury Department’s Web site to double-check if you have an outstanding savings bond in your name.
What is the serial number of the bond?
If you have any queries regarding any of the fields displayed by the Calculator, here are brief descriptions of the fields.
- Bond Serial NumberYour paper savings bond’s serial number can be located in the lower right corner. This information is optional, however it is necessary for record-keeping purposes in the event that your paper bonds are lost or destroyed.
- When you initially use the Savings Bond Calculator, it displays the current value of your paper bonds. You can alter the ‘Value as of’ date to see what they’re worth in various months. From January 1996 through the current rate period, the Calculator can show you how much your paper bonds are worth.
- The series of your paper savings bond can be located in the upper right corner. This calculator calculates values for the following series of paper savings bonds: EE, I, and E.
- DenominationThe face value of your paper bond, as seen in the upper left corner.
- The date your paper bond was issued is known as the issue date. It’s the month and year printed underneath the series on the right side of your paper bond.
- Total PriceThe total amount you spent for this inventory’s paper bonds.
- Total InterestThe total amount of payable interest accumulated by the paper bonds in this inventory from the date listed in the ‘Value as of’ box to the date listed in the ‘Value as of’ box.
- Total ValueAs of the date in the ‘Value as of’ box, the total cash value of the paper bonds included in this inventory. If you cashed all of these paper bonds in that month, you’d get this.
- Year-to-Date Interest (YTD Interest) is the term used to describe the interest that has accrued since the beginning of the year. From January of the year mentioned in the ‘Value as of’box to the date given, the total amount of interest accumulated by the paper bonds in this inventory.
- InterestThe amount of interest that has accrued on each paper bond from the Issue Date to the ‘Value as of’ date.
Note: If you cash a bond issued after May 1997 and it’s less than five years old, you’ll be charged a three-month interest penalty. This penalty is included in the interest indicated here.
- ValueThe current market value of each paper bond as of the date specified in the ‘Value as of’ section.
- Interest RateThe rate of interest that each bond is earning at the time the ‘Value as of’ field is entered. This rate is used to compute the interest due on the Next Accrual Date.
- Next AccrualThe first time a bond’s value increases after the date stated in the ‘Value as of’ box.
- The current interest rate on a bond is not available.
- That is to say,
a) The bond’s interest has stopped accruing;
b) Until the next rate period, when fresh interest rates are released, we won’t know what rate the bond earns during the ‘Value as of’ date.
- You modified the ‘Value as of’ date to a date before the paper bond was issued, resulting in NI. Not Issued.
- Bonds bearing the notation NE (Not Eligible for Payment) cannot be cashed until they are at least 12 months old.
- P5Bonds issued after May 1997 and older than five years have a three-month interest penalty.
- MA. MaturedThis paper bond has reached the end of its life cycle and is no longer earning interest. (For September 2004 and later, use “Value as of” dates.)
How can I look for old Premium Bonds in the United Kingdom?
Bond holders should keep in mind that the winnings do not expire, so you can check your history to see if you’ve won before.
If you haven’t checked in a while, double-check that your account has been updated with your current address and proper information.
Another option for checking your bonds is to download the prize checker app and log in with your holder’s number. If you forget your phone number, call the NS&I at 08085 007 007 (UK) or +44 1253 832007 (outside the UK) and ask for assistance.
If you prefer to ask by mail, you can write to NS&I and ask them to provide you the prize history for your bonds.
Send the letter to NS&I, Glasgow, G58 1SB, with your name, address, NS&I number, or Premium Bonds holder’s number.
What if my child receives Premium Bonds?
Buying NS&I Premium Bonds for a youngster is a fantastic idea because it’s a gift that keeps on giving (possibly).
Premium Bonds can be purchased on behalf of a kid by anybody over the age of 16, thus aunts, uncles, and even family acquaintances can participate.
Furthermore, NS&I’s decision in 2019 to reduce the minimum investment amount from £100 to £25 makes them a considerably more practical, or inexpensive, gift.
Instead, how about purchasing bonds for yourself? The following are the simplest methods for purchasing Premium Bonds.
How to buy Premium Bonds for your child
Parents and legal guardians can apply online, over the phone, or by mail to purchase Premium Bonds as a gift for their children.
Whether you’re buying for the first time or adding to your collection of Premium Bonds, you’ll need to be registered with NS&I.
As previously stated, you must invest at least £25 in Premium Bonds, with each £1 producing one unique bond number.
Every number has an equal chance of winning a prize, so buying more increases your chances of winning.
Until your child turns 16, you will receive confirmation of transactions, money for bonds cashed in, and rewards won.
Do you want to know whether you’ve won anything? The most recent results can be seen in this article.
Buying Premium Bonds for someone else’s child
If you want to spoil your grandchild, niece, nephew, or even a family friend’s child, you can apply online or by mail for an electronic or paper gift card to give to the child.
Your investment will be acknowledged, but only the chosen parent or guardian will be able to manage and cash in the bonds.
Before purchasing Premium Bonds for someone else’s child, there are a few things to consider.
Of course, you’ll want to make sure the parent or guardian is okay with you sending over their information and that they’re happy to look after the bonds.
These facts include the child’s and parent’s or guardian’s dates of birth and addresses, as well as the child’s Premium Bonds holder’s number (if they have one).
Everyone on the application will have their identity and address checked by NS&I, therefore there’s a risk that documentation will be required.
To avoid any unpleasant shocks, inform the parent or guardian that NS&I may contact them to request documentation to establish their identity.
Premium Bonds are detailed in detail, including how to purchase them, how to cash them in, when winners are revealed, and more.
How long does the process take?
If you’re buying the bonds as a present for someone special, you’ll need to prepare ahead and apply ahead of time.
NS&I hopes to open new accounts in seven to ten working days, but because everyone’s name and address on the application form must be validated, it will most likely take longer.
What happens if the child wins?
If the child outperforms the odds and wins a prize, the parent or guardian will have to decide what to do with it.
There’s no need to be concerned about tax implications. While a child cannot earn more than £100 in interest per year from savings, this does not apply to Premium Bonds winnings because they are rewards.
Finally, make sure the child’s information is up to date: there are millions of pounds in unclaimed awards held by bondholders under the age of 16.
I’m not sure what to do with my old savings bonds.
If you hold Series E or EE bonds released after 1974, you can use the Treasury Hunt tool to determine if any bonds registered with your Social Security number have stopped paying interest.
If your savings bonds have reached maturity, you should cash them in and invest the proceeds elsewhere. Whether you have paper bonds, check with your bank to see if they cash them (not all banks do, and some will cash in savings bonds only for customers who have had accounts for at least six months). See How to Cash in Savings Bonds for more information.