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The Guardian - UK
The Guardian - UK
Business
Zoe Wood

NS&I failures pile on the agony for bereaved families chasing missing premium bonds

Bonds NSI Peter
A hand holds a smartphone showing an NS&I Premium Bonds app screen with £500 prize displayed
About 24 million people have investments in £1 bonds which are entered into a monthly prize draw, with tax-free winnings ranging from £25 up to £1m. Photograph: Justin Long/Alamy

“It has been more than a year of hell,” says Kate Constable about the time it took to claim £46,000 in premium bonds belonging to her late mother.

The process was drawn out because National Savings and Investments (NS&I) rules mean anyone claiming a savings pot of more than £5,000 must obtain probate first.

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