Premium Bonds prize checker: How to find out if you’ve won February’s NS&I draw

Every month, savers have the chance to win big prizes as the Premium Bonds winning numbers are announced. There are now 24 million people taking part in the government-backed savings scheme, with more than £127bn banked.

Premium bonds are an investment product from the National Savings and Investment (NS&I), which is owned by the government. Each month, millions of savers are entered into a prize draw to win cash prizes ranging from £25 to £1 million, with two millionaires made at every draw.

Every £1 entered has a 22,000-to-one chance of winning. The minimum investment is £25, while the maximum is £50,000.

These savings don’t accrue interest as with regular bank accounts, but are put up against a random digital prize picker called ‘Ernie’ – the Electronic Random Number Indicator Equipment.

The date of this month’s draw is Monday 2 February. The results of this draw are available a day later and released by the NS&I here.

The first Premium Bonds £1 million winning Bond number this month is 489TB013219 and is held by someone from Central Bedfordshire. They purchased the winning Bond in February 2022 and hold £50,000. They are the second jackpot winner from Central Bedfordshire.

The second Premium Bonds £1 million jackpot Bond number is 040QJ919368 held by someone in Liverpool. They hold £50,000 and purchased their winning Bond in October 2004. They are the fourth to win the £1 million jackpot in Liverpool.

Andrew Westhead, NS&I Retail Director, said: “Congratulations to our two jackpot winners from Central Bedfordshire and Liverpool, who each start February £1 million richer. ERNIE has spread the love ahead of Valentine's Day and we hope this brings both winners and their loved ones plenty to celebrate.

“It’s not just about the jackpot winners though; this month we’ve paid out over 6.1 million prizes worth more than £408 million, bringing the total won by Premium Bonds holders since the first draw in 1957 to £40 billion.”

There are many Premium Bond winners every month, but the actual chance of winning remains fairly low. Most people will never win a prize, meaning their investment will stay the same. However, the scheme is also risk-free, meaning money won’t be lost either.

Analysis by money expert Martin Lewis found that the ‘interest rate’ on Premium Bonds accounts is 4 per cent when all winnings are considered – but notes most people won’t see anything like this. Many savings accounts in the UK also offer a higher interest rate than this, which will be far more consistent.

The distribution of prizes changes slightly every month. These were the results in January 2026:

To check if you’ve won a prize on Premium Bonds, you can visit the NS&I checker on its website and enter your bond numbers.

There is also an NS&I app which allows savers to check results on the go.