A Simple Premium Bonds Tracker
Track your Premium Bonds alongside every other savings pot with Oinkly. See your holdings, count them in your net worth and compare the odds. UK savings tracker.
Oinkly lets you track your Premium Bonds holdings alongside every other pot, so they count properly towards your net worth instead of being forgotten.
Your Premium Bonds, counted at last
Premium Bonds are easy to lose track of. You buy them, tuck the details away, and check in only when you are hoping for a win. Meanwhile that money is a real part of your savings, and it deserves to be counted.
Oinkly gives your Premium Bonds a proper home. Add your total holding as a manual balance and it sits neatly alongside your accounts, ISAs, pensions and property. No NS&I login, no open banking, no fuss. You type in the figure and Oinkly keeps it in view.
Whenever you buy more bonds or cash some in, you update the balance yourself and Oinkly records the change, so your total always reflects reality.
Understand what your bonds are really doing
Premium Bonds do not pay interest. Instead, every £1 bond is entered into a monthly prize draw. For the July 2026 draw the odds of any single bond winning are around 22,000 to 1, and the prize-fund rate is 3.80%. Both of these change from time to time, so it is worth checking the current figures with NS&I.
What Oinkly helps you see
- Your total holding in one clear place.
- Bonds counted in your net worth rather than left out.
- Changes over time as you buy or cash in.
- The bigger picture, so you can weigh bonds against your other savings.
Because the rate is an average across all bondholders, plenty of people win nothing in a given month. Seeing your holding next to your other savings makes it easier to judge whether it is pulling its weight.
Bonds versus a savings account
Wondering whether your Premium Bonds are the best home for that money? Our guide on Premium Bonds versus a savings account walks through the trade-offs in plain English. Once you can see everything together in Oinkly, decisions like this get a lot clearer.
Premium Bonds tracking is part of the Big Pig tier, alongside ISAs, pensions, property and net worth. Try the net-worth calculator to see how it all adds up.
Frequently asked questions
How do I add Premium Bonds to Oinkly?
You add your total holding as a manual balance, just like any other pot. There is no NS&I login and nothing connects to your account.
Does Oinkly track my Premium Bond wins?
No. Oinkly tracks the value of your holding. When you win and reinvest, or cash bonds in, you simply update the balance yourself.
What are the current Premium Bonds odds?
For the July 2026 draw the odds are around 22,000 to 1 per bond, with a prize-fund rate of 3.80%. These figures change, so check the latest with NS&I.
Do Premium Bonds count towards my net worth in Oinkly?
Yes. Your holding is folded into your single net-worth figure alongside your accounts, ISAs, pensions and property.
Which tier includes Premium Bonds tracking?
Premium Bonds tracking sits in the Big Pig tier at £9.99 a month, with a 7-day free trial. See our pricing page for details.