Merto Team
The first day of October 2025 brought the usual rush of anticipation as NS&I (National Savings and Investments) announced the results of the monthly Premium Bonds draw. Thousands of savers across the UK held their breath, hoping their unique numbers would be selected by Ernie, the Electronic Random Number Indicator Equipment.
This month's draw delivered the usual mix of life-changing fortunes and delightful surprises, highlighting the unique nature of investing in Premium Bonds. Unlike a standard savings account, which pays guaranteed interest, Premium Bonds offer investors a monthly chance to win tax-free premium bonds prizes ranging from £25 right up to the coveted £1 million jackpot.
We’ve compiled the full breakdown of the premium bond winners October 2025 draw, detailed who won the biggest prizes, and—most importantly—how you can use the official premium bond checker to see if you have won any of the fantastic cash prizes.
As always, the highlight of the draw was the announcement of the two £1 million jackpot premium bond winners. This month, the monumental prizes went to savers in Scotland and Greater Manchester, proving that luck knows no geographical bounds.
The first lucky winner hails from Scotland. Their winning Bond, number 498FZ511907, was purchased relatively recently in April 2022. What makes this win notable is the winner’s total holding: they had just £10,150 in Premium Bonds going into the draw, proving you do not need the maximum holding to win the top prize.
The second jackpot was scooped up by a saver from Greater Manchester. This winner’s Bond, 524KB804512, was purchased in January 2023. While their initial purchase was a mere £100, their total holding had grown to £34,350 at the time of the draw. This highlights the strategy of reinvesting winnings, which many NS&I Premium Bonds holders opt for.
One of the most encouraging aspects of the premium bonds prizes draw is that every single £1 Bond has an equal chance of winning. The stories of savers with minimal holdings winning big are a testament to this unique system.
The October draw brought several incredible examples of this phenomenon:
While it's true that the more Bonds you hold (up to the current maximum of £50,000), the better your chances of winning, these stories prove that the dream of winning big is alive for every single saver.
For those considering investing or simply wanting to understand their current odds, the October draw coincided with some important scheme updates:
The odds of any single £1 Bond winning a prize currently stand at 22,000 to one. While this sounds long, the sheer volume of premium bonds held by the public means that millions of pounds are paid out every month.
It is worth noting that the prize fund rate for the scheme has been adjusted, having fallen to 3.6 percent for the October draw, down from 3.8 percent in August. This prize fund rate reflects the total amount of money awarded as prizes each month, divided by the total value of all eligible bonds.
The maximum amount an individual can hold in NS&I Premium Bonds remains capped at £50,000. As demonstrated by the regional winners below, those approaching or at the maximum holding naturally see their chances of winning increase significantly.
While the £1 million prizes grab the headlines, the monthly draw distributes hundreds of high-value prizes across the country. The premium bond winners data shows a strong showing in several regions this month.
The county of Sussex had a particularly lucky October, with residents sharing prizes totalling more than £2 million.
A resident in Essex was celebrating a huge £100,000 prize this month. This winner held the maximum £50,000 in Bonds, and their winning Bond was valued at £17,000, purchased in September 2013. Additionally, Essex saw four winners of the £50,000 prizes, including one person who won with a bond valued at just £2,000.
If these stories have you rushing to check your own numbers, accessing the full list of premium bond winners is straightforward using the official digital tools provided by NS&I.
The primary tool for checking your results is the Premium Bonds prize checker. You can access this via the official NS&I website or their dedicated app.
It’s crucial to use the official premium bond checker or the NS&I app to ensure the security of your information and receive accurate, up-to-date results. The full list of high-value premium bond winners is always published on the NS&I website at the start of the month.
The October draw results are a great reminder to check your premium bonds prizes regularly.
It is estimated that millions of pounds in prizes go unclaimed every year, often because people move house and forget to update their details, or simply forget they own the Bonds. If you use the premium bond checker and find you have an unclaimed prize, NS&I makes it easy to claim the funds.
Furthermore, consider setting up an instruction with NS&I to have any winnings automatically used to purchase more premium bonds. This allows you to compound your chances of winning in future draws, building your holding automatically and putting you in a stronger position for the November draw and beyond.
If you are one of the many premium bond winners this October, congratulations! If not, remember that every £1 Bond you hold gives you another entry into the next draw. Good luck!