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We have now withdrawn our Windfall Bond (1). If you are already in the process of applying for a Windfall Bond, we will continue to accept application until 27 March. All accounts must also be funded by 27 March.

If you are an existing Windfall Bond holder, the Free Monthly Draw will continue as usual every month, and you can see the list of winners each month here.

We are planning to reintroduce the Windfall Bond for new accounts later in 2020. 

If you have any questions about the Windfall Bond, please call our Family Service Team on 03330 140144.

We call all winners of the Windfall Bond Monthly Free Draw within 10 working days of the draw taking place, to congratulate them with the good news.

Dates for your diary

16 April 2020
15 May 2020
12 June 2020
14 July 2020
14 August 2020
14 September 2020
14 October 2020
13 November 2020

Our Windfall Bond Monthly Free Draw is done on the 10th working day of every calendar month.

Historic list of winners

March 2020

 Ms Jill D - West Sussex  Miss Katherine H - Surrey
 Mr Nikhil S - Essex  Mr Samuel R - North Yorkshire
 Mr Colin A - Gloucestershire  Ms Denise B - Lancashire
 Mrs Pauline L - Warwickshire  Mr Vincent B - Lincolnshire
 Mr Ian B - Leicestershire  Mr Patrick T - Oxon
 Mr Graham W - Middlesex  

February 2020

Mrs M T-L - Cornwall Mr Paul W - Northampton
Mrs Karen P - Eastbourne Miss Anne G - East Sussex
Mr Martin F - Hertfordshire Miss Jemma O - Leicestershire
Mrs Norma S - Surrey Mr Akshay S - London
Ms Jessica H - London

January 2020

Ms Valerie W - Swindon Mr Anthony E - Fife
Mr Justin P - Reading Mr Lloyd B - Birmingham
Mrs Judith N - Hampshire Mrs Marion & Mr Timothy C - Somerset
Mr Mahibulla D - Manchester Mrs Cheryl A - Hampshire
Mrs Sally W - Norfolk Miss Marian L - Hampshire

December 2019

Mr Alan H - Bournemouth Mr Nikhil S - Essex
Mr Andrew M - Kent Mr David K - Staffordshire
Mrs Susan L - Hertfordshire Mr Michael H - Lincolnshire
Mr Martin C - East Sussex Mr Gareth H - Devon
Miss Susan G - Essex Mrs Marcinia D - Bromsgrove
Mrs Lynda J - Norfolk Mr Frank M - Cambridgeshire

November 2019

Mrs Ann & Mr Michael E - Kent Mrs Claire J - Essex
Mr Geoffrey B - Cambridgeshire Mrs Caroline E - Surrey
Mr Dennis C - Manchester Mrs Pauline M - Exeter
Miss Louise B - Lincolnshire Miss Sheila L - Birmingham
Mr Lloyd M - Nottingham

October 2019

Mr Zahurul I – West Sussex Mrs Carole H – Hertfordshire
Mr Stephen R – Surrey Mr Stephen M – Essex
Mr Alan & Mrs Susan M – Bristol Ms Alison B & Mr David C – Surrey
Miss Patricia L – Sheffield Mr Peter H – Cambridge
Mr Edwin M – Dorset Mr Ritchie M – Berkshire

Mr William G – Coventry

Mr William H – Hertfordshire

September 2019

Mr Anthony S - Somerset Mr Mostyn and Mrs Lesley J - Hertfordshire
Mr Austin F - Norfolk Mr Robert P - Exeter
Mr Edward S - Surrey Mrs Gail K - Rochdale
Mrs Suet L - Cheshire Ms Beverley B - Surrey

August 2019

Mr Neil J – Shropshire Mr John S – Chelmsford
Mrs Hilary D – Bournemouth Mrs Jagruti K – London
Mr Gary P – Swansea Mr Howard T – Maesteg
Mrs Helen L – Norfolk Mrs Gillian B – Lanarkshire
Miss Melanie H – London

July 2019

Mrs Vera H - Burton-in-Lonsdale Ms Lisa K – Crosby
Mrs Anne G - West Mersea Miss Jean B – Preston
Mr David G – Worcester Mr Colin C - West Glam
Mr Colin P – Surrey Mrs Yanina T – West Glam
Mrs Lisa D – Surrey

June 2019

Mrs Betty K - Luton
Mr Mark R - Surrey
Mr Alan L - Bromley
Mrs Judith E - Herefordshire
Mr Rory K - Canterbury
Mr Paul K - Merseyside
Mrs Sally E - Milton Keynes
Mr David P - Surrey

May 2019

Mr Peter B - Lancashire Mr Derek & Mrs Anne B - Surrey
Mrs Janice K - Cheshire Mr John C & Mrs Rui R - Devon
Mr Mazhar I - London Mr Bruce B - Bristol
Mr Peter L - West Sussex Mr Robert S - East Yorkshire
Mrs Lynda H - Derbyshire Mr Edward W - Newcastle upon Tyne

April 2019

Miss Nicola W – Worcestershire Mr Aman U – Middlesex
Mr Gerard H – Flintshire Mr Alvan R – Devon
Miss Sally-Ann A – Surrey Mr Robert S – Somerset
Mrs Lorna M – Yorkshire

March 2019

Mr Roy S - Hampshire Mr Michael C - Yorkshire
Mr Kay R - Hertfordshire Mr Michael R - Manchester
Mrs Celia & Mr Paul M - Surrey Dr Katherine B - Essex
Miss Marian L - Hampshire Mr Arthur F - London

February 2019

Mr Peter & Mrs Maura B – Gloucestershire
Mrs Marjorie & Mr William H – Fife

Mrs T G – Berkshire
Mr Gareth E – Swansea
Mr William R – Inverness
Mr John D – Cambridgeshire

January 2019

Mr Timothy & Mrs Gabrielle B - Orkney Islands Mrs Wendy S - Shropshire
Mrs Mary & Mr Alan H - Ayrshire Mrs Rosemary H - Devon
Miss Kim S - London Miss Shirley I - Surrey

December 2018

Mrs Fiona S - Shropshire Ms Denise B - Lancashire
Mrs Joyce H - London

November 2018

Mr David & Mrs Wendy R - Surrey Mr David & Mrs Patricia H - Surrey
Mr Robert L - Warwickshire Mr Dally H - London
Mr Christopher R - Devon

October 2018

Mr Carl W - Warwickshire Dr Jane & Mr Selwyn W - Kent
Mrs Margaret D - London Mrs Lesley N - London
Mrs Margaret L - Devon Mr Rahul S - London
Mr Roger G - Devon

September 2018

Mr John & Mrs Elizabeth T - Roxburghshire
Miss Louise G - Buckinghamshire
Mr Patrick T - Oxfordshire
Mr William H - Berkshire
Miss Ann B - Hampshire
Ms Julia M - Hampshire

August 2018

Mrs Roberta J - Cambridgeshire Mr Jonathan D - Buckinghamshire
Mrs Patricia & Mr Peter K - London Mrs Linda A - Cumbria
Mrs Janice K - Manchester Mrs Susan L - Hertfordshire
Ms Krystyna G - London Mrs Johanna L - Gloucestershire

July 2018

Mrs Penelope R - Devon Mr John R - Devon
Mr Nobel C – Surrey Mr Robert S – Somerset
Mr Timothy L - Dorset Mrs Myrtle R – Northamptonshire

June 2018

Mr Brian D - Lancashire Mrs Janet F - Hampshire
Mrs Kim & Mr Reginald J - Cheshire Mrs Judith & Mr Harold L - Suffolk
Miss Angela T - London Mr Laurence H - Surrey
Mrs Susan & Mr Peter H - Hampshire Mrs Fay & Mr Malcolm P - Buckinghamshire

May 2018

Mr John R - Devon Mrs Barbara C - Norwich
Mrs Elizabeth H - Tonbridge Mr Tony H - Lancaster
Mrs Beatrice & Mr Michael R - Cornwall Mrs Marcinia D - Bromsgrove

April 2018

Mrs Jane & Mr David B - Surrey Mrs Patricia W - Cardiff
Ms Carolyn P & Ms Julie R - Derbyshire Mrs Judith L - Suffolk

March 2018

Mrs Betty M - North Yorshire Mrs Margaret D - Kingston
Mrs Nicola & Mr Alistair M - Buckinghamshire Mrs Gail F - Manchester
Mrs Sally C - Nottingham Mrs Jane W - Conventry

February 2018

Mr David C - Norfolk Mr Paul W - Northamptonshire
Mr Alan and Mrs Shelia C - Leicestershire Mr Adrianus S - West Sussex
Mr Michael and Mrs Josephine Y - Devon Mrs Elisabeth Y - Wales

January 2018

Mr Nigel W - Birmingham Mr Ian M - Northamptonshire
Mr John M - London Mrs Karen W - Liverpool

2017 Winners

December 2017

Mr Philip and Mrs Jennifer S - Swindon Mrs Lesley N - London
Mrs Louise W - London Mr Kenneth G - Colchester
Dr Brenda H - Lancashire Mrs Teresa R - Nottingham
Mr Colin G - Kincardineshire Mr David C - Norwich

November 2017

Mrs Lois and Mr Stephen G - Blackpool Mr Charles and Mrs Susan P - London
Mr Mark K - Sheffield Ms Susan B - Redhill
Mr Brian B - Dorset Ms Debra C - Brighton

October 2017

Mr Selwyn and Dr Jane W - Kent Mrs Janet R - Buckinghamshire
Mrs Patricia A J - Devon

September 2017

Mr Giles and Mrs Jody W - Bath Mrs Laurelle P E - Dunbar
Mr David C - Norwich Mr Thomas C - Carlisle
Mrs Linda J H - London

August 2017

Miss Marion C - Edinburgh Mrs Evelyn H - Surrey
Mr John W - Glasgow Mr Kenneth H - Peterborough

July 2017

Mr Adrian W - Essex

June 2017

Mrs Elizabeth S - Hampshire Mr Simon B - Hampshire
Mr Fredrick T - Leicester Mr Charles P - London

May 2017

Mrs Christina T - Hampshire Mr Alan E L - Buckinghamshire
Mr Lyndall C - Dorset

April 2017

Mrs Dorothy M - Cheshire Mr Paul S - Cumbria

March 2017

Mrs Anne E - Dorset Mr Sidney R - Hertfordshire
Mrs Karen and Miss Lauren N - Oxfordshire Ms Rosalind F - Surrey
Mr Simon S - Wiltshire Mr William and Mrs Andrea R - Essex

February 2017

Mr Keith H - Surrey Mr John T - Dorset
Mr Barry G - North Yorkshire

January 2017

Mrs Ruth R - South Yorkshire Mrs Christine P - Surrey
Mr Darren F and Mr Lee F - Cheshire

2016 Winners

December 2016

Mrs Barbara A - Devon

November 2016

No Winners

October 2016

Mr Chris B - Birmingham Captain Raymond M - Kent

September 2016

Mr Andrew P - Northamptonshire Mr Abiodun K - London
Mrs Jill G - South Devon

August 2016

Mr David and Mrs Patricia W - Surrey Mrs Mary M - Tonbridge
Ms Helen M - Middlesex

July 2016

Mrs Susan R - South Lanarkshire

June 2016

Mrs Anne M - Belfast

May 2016

No Winners

April 2016

Mr David and Mrs Patricia W - Surrey

March 2016

Mr David and Mrs Edie F - Kent Mrs Elizabeth C - London
Mrs Elizabeth S - Hampshire Mrs Helen K - East Midlands

February 2016

Mrs Mary N - East Sussex

January 2016 (Regular prize draw):

Miss Anne S - Aberdeenshire Mr John C - Berkshire

January 2016 (Bonus prize draw):

Mr and Mrs Paul H - Dorset Dr David K - Northumberland
Mr and Mrs Stephen T - Bedfordshire

2015 Winners

December 2015

Mr Nobel C - Surrey

November 2015

No Winners

October 2015

Mr Patrick C - Milton Keynes

September 2015

No Winners

August 2015

Mr Muhammad K - West Yorkshire Mr Sidney R - Hertfordshire
Mr John U - Northamptonshire

July 2015

Dr David K - Northumberland

June 2015

No Winners

May 2015

Mrs Elizabeth S - Wiltshire

April 2015

Mrs Shelia L - London

March 2015

Mrs Audrey H - Essex Dr Ann W - Tyneside

February 2015

Mr Michael O - Worcestershire

January 2015

Mr Kevin W - Middlesex

So what are the chances of winning?

It goes without saying that there is no sure-fire way to guarantee investment success, but the Windfall Bond plays its role in giving you the opportunity to be rewarded for saving. The breakdown of prizes ensures that each bond has 13 opportunities to win a prize each month - 156 over the course of a year: the more you hold, the greater chances of winning. Of course, should you only hold one bond, your chance of landing a windfall will be reduced but, with odds at 64/1 of winning over a 12 month period, the opportunity to be named one of the lucky few is tantalising.

How is the number of winners determined each month?

So that the odds of winning are constant and known in advance there are always 10,000 tickets in each monthly free prize draw.


Each eligible Windfall Bond is allocated a ticket in the monthly draw. Every month 13 ticket numbers are drawn at random by an independent third party and these are the winning tickets. Whilst we build up to 10,000 participating bonds there will be winning tickets which have not been allocated to a bond and the prizes for these are not awarded.

This structure means that, unlike a raffle, the odds of winning stay the same and do not change based on the number of bonds participating.

As the number of eligible bonds builds up the number of winners each month will increase. More detail on this can be found in the Free Draw Rules, rule 9 being the most relevant.

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