€25k invested in prize bonds

See the information about Prize Bonds Winnings, and about Inheritance. Nobody was forced to reduce their holdings in November 2015, no matter how large. I read the note below to mean they could have added up to €250K since.

https://www.statesavings.ie/help-support/help-articles/is-there-any-limit-on-my-overall-holding-of-state

*It should be noted that Prize Bond Maximum Holding limit applies on or after 1 November 2015 and is not retrospective i.e. Prize Bonds added to the Prize Bonds register before 1 November 2015 are not included in Maximum Holding Limit calculations. When you repay Prize Bonds and use the proceeds to purchase new Prize Bonds this new purchase will be subject to the limits.

€75 today, email sent at 13:06. Newest bond to win today, BKI229757.

20/02/2026 Prize Reinvestment€75.00

Winning Bond Number(s): APY136297

New Bond Range: BKI516804 - BKI516815

A block of 457 bonds winning €225 since last April could give hope to people with a small number of bonds. But I could point to multiple other blocks like that which have won nothing for 10 years or more.

Draw Date Winning Bond Number(s) Win Value

26/12/2025 APY136521€75.00

20/02/2026 APY136297€75.00

11/04/2025 APY136064€75.00

There are other considerations when investing apart from the rate of return. Over the time they have had money in PB they have enjoyed capital security and state guarantee, tax free returns and near instant availability of capital. If held as part of a balanced portfolio this makes perfect sense.

Whatever number is left from the first 10 million issued won 4 x €1,000 and 7 x €500 since the newest prize structure started in October 2023. Issued from 1957 to well into the 1960's and obviously their number can only ever go down not up. These days 10 million new bonds are issued every 2 months.

One of the myths about Premium Bonds in the UK:

2. Older bonds are excluded from the draw

Some people think that old bonds are excluded from the draw as those people are unlikely to sell their bonds, whereas new holders are more likely to cash out. This is not true. If you keep a close eye on the winning bonds it can seem like newer bonds have a greater chance of winning, but this is a result of the majority of bonds having been bought since 2000.

Correct. Which is why in a well balanced portfolio there will be a spread over different asset classes (equities, bonds, property, precious metals, cash, bitcoin (perhaps), etc). Nobody is saying that the majority of investors should invest exclusively in Cash or Prize Bonds/other State Savings Products, but these should form some part of the majority of portfolios, primarily for liquidity/availibility.

2 x €75 for me today. This week's two winners from the same two batches as last weeks two winners. Notification e-mail was sent at 12:38. New bonds not issued yet.

€500k gone to Dublin and €50k gone to Galway 

€500k winning bond BJK095277 was purchased in September 2025, so a quick return there. The €50k winner was a lot more patient having purchased WF770363 in March 2104.  

11no. of 20no. x €1,000 gone to Dublin

February count. The same 10 million bonds BJW to BKF in each of the 4 draws. Not counting €1,000 for BKE 13th and €500 for both BJW & BKC 20th.

Friday 06. 123 wins. Highest BJY 22. Lowest BJX 7.

Friday 13. 105. BJZ 18. BKB 7.

Friday 20. 107. BJX 15. BJW 5.

Friday 27. 123. BJX, BJY & BKC 15 each. BKD 7.

Highest overall BJY 54 (22,8,9,15) Lowest BKD 33 (10,9,7,7)

Starting BJW 43,49,54,49,49,40,46,33,46,49. Average 45.8.

40 million bonds won 458 prizes, average per million 11.45. x 52 x €75 = €44,655. Divided by 62.5 to get what €100K would win in a year with the same luck = €714.48. Nearest to 10 x €75.