NS&I Premium Bonds November 2025 Winners: Shropshire and York Holders Claim £1 Million Each

NS&I Premium Bonds November 2025 Winners: Shropshire and York Holders Claim £1 Million Each

National Savings and Investments released the November 2025 Premium Bonds draw results today, creating two new millionaires from Shropshire and York. Both winners held the maximum £50,000 investment, entering all eligible bonds into the monthly tax-free prize raffle. The draws use NS&I's ERNIE machine for random selection among billions of entries.

The Shropshire winner secured the first £1 million prize with Bond No. 258GE105589, purchased in October 2015 as part of a £30,000 addition to their holding. The York winner followed with Bond No. 568FY679677, bought in February 2024 for £12,000 within the full £50,000 limit. Savers can verify results via the NS&I app or website using holder numbers.

This month's prize fund totals £100 million at a 3.60% rate, funding over 1.2 million awards from £25 to £1 million. With odds of 22,000 to one per £1 bond, the scheme draws nearly 23 million UK holders.

£100,000 Prizes Spread Wins Across Regions

High-value payouts extended to £100,000 for 50 holders, highlighting the scheme's broad reach. An Outer London saver won with Bond No. 257HV256563 from October 2015, part of a £50,000 holding including a £10,000 bond.

In Barnet, Bond No. 211GQ660633 – bought in August 2013 – delivered victory on a £50,000 stake. A holder in Mid & South West Wales celebrated Bond No. 114DL750705, acquired in August 2006, turning a £9,950 total into a win via a £500 bond.

These outcomes show prizes can reward both long-term patience and recent investments, keeping the monthly ritual engaging for participants.

A saver checks their Premium Bonds status online, hoping to discover if they are a winner in the November 2025 NS&I draw.

Weighing the Odds: Premium Bonds' Place in Your Savings Mix

Premium Bonds replace interest with lottery entries, securing your capital through Treasury backing while offering tax-free prizes up to £1 million. You invest from £25 to £50,000, with each £1 unit drawing independently – no guaranteed returns, just the chance for big upsides.

For many, the appeal blends safety with excitement, but data reveals realities. Around 63% of holders have never claimed a prize, and the average wait for a first win stands at 3.5 years. In a 4-5% easy-access savings landscape, this randomness means potential missed earnings – £10,000 in bonds might yield nothing yearly, versus £450 in a cash ISA.

According to analysis reviewed by Finance Monthly, small holdings under £5,000 often deliver sub-1% effective yields after inflation, underscoring opportunity costs amid steady rates. The impact? Less growth compounds into tighter budgets for holidays or repairs, where even £200 annual interest covers unexpected bills.

Fresh data from Octopus Money shows 88% of 2024 winners took under £2,000 total, with just 0.32% exceeding £10,000. One anonymized saver with £20,000 bonds endured a two-year dry spell, forgoing £1,500 in alternatives before a £750 prize – a net loss highlighting the gamble.

Key takeaway: Review holdings quarterly; if under £10,000 and win-free for two years, transfer to a 4.8% one-year fixed ISA for reliable gains – Octopus figures indicate this lifts average returns 2-3% for modest savers. For max-stakers chasing thrills, add £100 monthly to boost entry volume, as NS&I stats link frequent buys to 12-15% higher win rates over time.

Money expert Martin Lewis has highlighted the scheme's fun side alongside its uncertainties, noting many fare better with steady options.

Common Questions on the November 2025 Premium Bonds Draw

What Are the Winning Bond Numbers for NS&I Premium Bonds November 2025?

£1 million prizes went to 258GE105589 (Shropshire, October 2015) and 568FY679677 (York, February 2024). Notable £100,000 wins include 257HV256563 (Outer London), 211GQ660633 (Barnet), and 114DL750705 (Mid & South West Wales). Check full lists at nsandi.com.

Are Premium Bonds Worth It in November 2025 with 22,000 to 1 Odds?

They fit dreamers at full £50,000 stakes, but for guaranteed 4-5% yields, consider ISAs – small holders average 3.5 years per win, per Octopus data.