Notices

  • Our Windfall Bond is available for new account openings, offering interest at the Bank of England Bank Rate and entry into a monthly free prize draw with more prizes available now determined by the prize fund value. Find out more here

    Newly opened accounts need to be fully funded and nominated bank details registered before the end of September in order to qualify for entry into the November Prize Draw.

  • Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 September 2024. We will be writing to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 September 2024 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

    (Notice updated 05/08)

  • From Thursday 22 August, we reduced our rates on all our fixed rate mortgage products.

    From 19 September 2024, we'll also be reducing our Managed Mortgage Rates (MMR) by 0.25%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates. We will be writing to existing customers who have been impacted by this change, shortly, with details relevant to them. Find out full details here.

Windfall Bond Upcoming Draw and Prizes

Find details of the upcoming draw, including the total Prize Fund value and number of prizes on offer


Total Prize Fund value and number of prizes on offer!

October 2024

In September we had 11,303 qualifying entries*, giving us a total Prize Fund worth £113,030,000.

The number of prizes in October's draw are as follows:


This provides a total of 89 prizes for the month of October, worth £94,200.

*Each Windfall Bond requires a £10,000 deposit and details of a nominated bank/building society on record. Newly opened Windfall Bonds qualify for the Monthly Free Prize Draw in the second calendar month after the bond has been opened. for example, a Windfall Bond opened in September would be entered into November's Monthly Free Prize Draw.

Visit the Prize Allocation Method page for further details.

For information on the Windfall Bond's Prize Draw Rules and Terms and Condition, please read the Windfall Bond Product Features leaflet.

Upcoming draw Dates

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

The next prize draw is on 14 October 2024

Future dates - 2024

  • 14 November
  • 13 December 

How winners are notified

Winners will be selected at random from all entries to each monthly draw by an independent third party appointed by the Society. 

Winners of the monthly free prize draw will be notified by us using the details held on the relevant Windfall Bond account record by one of the following methods: by email, in writing or by telephone within 10 working days from the date when the monthly draw takes place.

  • If you are a winner of a Level A or a Level B prize, a member of our Family Service Team will contact you to confirm your details, after which the prize money will be paid into your pre-nominated bank account
  • If you are a Level C, D or E prize winner – the prize money will automatically be paid into your pre-nominated account and we will notify you by email or letter.

    If you have any questions about the Windfall Bond, please contact our New Business Team:

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    Product details

    Find out more information about the Windfall Bond.

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    How it works

    Find out how the Windfall Bond works, the monthly free draw rules and your chances of winning.

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    Frequently asked questions

    Answers to the most common questions asked by our members about the Windfall Bond.

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