{
 "id": "premium_bonds_rate",
 "name": "Premium Bonds prize fund rate",
 "category": "savings",
 "value": "3.80% annual prize fund rate \u00b7 odds 22,000 to 1 per \u00a31 Bond",
 "unit": "rate / odds",
 "valid_from": "2026-07-01",
 "valid_to": null,
 "source_url": "https://nsandi-corporate.com/news-research/news/improved-rates-premium-bonds-and-four-other-nsi-savings-accounts",
 "source_org": "NS&I",
 "confidence": "verified",
 "checked_at": "2026-08-11",
 "notes": "Up from 3.30% (April 2026 draw); changes at NS&I discretion.",
 "history": [
  "3.30%, 23,000:1 from 2026-04 draw",
  "3.60% from 2025-08 draw"
 ]
}