If you want to know how to buy Prize Bonds in Pakistan, use an authorized channel rather than an informal seller. Ordinary bearer National Prize Bonds—Rs.100, Rs.200, Rs.750 and Rs.1,500—can currently be purchased through SBP BSC offices, National Savings Centres and designated commercial-bank branches. The Rs.25,000 and Rs.40,000 Premium Prize Bonds are registered products and are purchased through SBP BSC offices and authorized commercial-bank branches under a different documentation process.
The main difference is ownership. An ordinary Prize Bond is a bearer instrument, so possession matters. A Premium Prize Bond is registered in the investor’s name and is connected with the investor’s bank details.
To buy a Prize Bond safely in Pakistan:
- choose one of the current denominations;
- visit an authorized SBP BSC office, National Savings Centre or designated bank, depending on the bond type;
- take your valid CNIC and complete the required purchase form;
- for Premium Prize Bonds, also prepare bank-account and nominee information;
- check the 60-day rule if you want the bond to qualify for an upcoming draw;
- do not pay anyone claiming they can provide a guaranteed winning, VIP or lucky number.
National Savings currently states that a Prize Bond must have been issued at least 60 days before the relevant draw date to be eligible for that draw.
Where Can You Buy Prize Bonds?
For the four ordinary bearer denominations, current SBP BSC guidance says National Prize Bonds can be purchased from:
- SBP BSC field offices
- National Savings Centres
- designated commercial-bank branches
The SBP BSC National Prize Bond application form is used for purchase or encashment and requires a copy of a valid CNIC.
For Rs.25,000 and Rs.40,000 Premium Prize Bonds, National Savings lists:
- SBP BSC offices; and
- authorized branches of commercial banks.
SBP also issued fresh instructions in August 2026 covering the issuance of Premium Prize Bonds through commercial-bank branches, confirming that this sales channel remains active.
Before visiting a commercial bank, it is sensible to confirm that the particular branch handles the Prize Bond product you want. An ordinary branch should not be assumed to provide every Prize Bond service.
Current Prize Bond Denominations
National Savings currently lists six active denominations.
| Denomination | Type |
|---|---|
| Rs.100 | National Prize Bond — bearer |
| Rs.200 | National Prize Bond — bearer |
| Rs.750 | National Prize Bond — bearer |
| Rs.1,500 | National Prize Bond — bearer |
| Rs.25,000 | Premium Prize Bond — registered |
| Rs.40,000 | Premium Prize Bond — registered |
The old bearer Rs.7,500, Rs.15,000, Rs.25,000 and Rs.40,000 instruments should not be confused with the current list. The active Rs.25,000 and Rs.40,000 products are Premium Prize Bonds (Registered).
For an updated overview, see current Prize Bond denominations.
Bearer Prize Bond vs Premium Prize Bond
| Feature | Bearer Prize Bond | Premium Prize Bond |
|---|---|---|
| Current denominations | Rs.100, Rs.200, Rs.750, Rs.1,500 | Rs.25,000, Rs.40,000 |
| Ownership | Holder of physical bond | Registered investor |
| Registration | Not registered to individual owner | Registered in investor’s name |
| Purchase documents | Application + valid CNIC copy | CNIC + bank/account documents + nominee details |
| Bank account | Not central to ownership | Mandatory for purchase |
| Prize payment | Winner submits claim | Prize credited to registered bank account |
| Profit | No regular profit feature | Includes bi-annual profit |
| Lost bond | Serious risk because it is bearer | Registered lost-bond procedure exists |
| Purchase channel | SBP BSC, NSC, designated banks | SBP BSC and authorized banks |
National Savings describes bearer Prize Bond ownership as belonging to the holder of the instrument, while Premium Prize Bonds are registered and provide direct credit of prize money and profit into the investor’s bank account.
You can read the registered product in more detail on the Premium Prize Bonds page.
What You Need Before Buying
For an ordinary bearer Prize Bond
SBP BSC’s current National Prize Bond purchase form asks for:
- name;
- CNIC;
- mobile number;
- denomination;
- number of bonds required;
- total purchase value; and
- a copy of a valid CNIC.
The form provides purchase payment options including cash and cheque/pay order/demand draft.
For a Premium Prize Bond
National Savings currently lists the following documents for a Premium Prize Bond sale application:
- copy of CNIC;
- Account Maintenance Certificate showing account title, IBAN, account status, bank and branch;
- tax certificate in the case of a filer; and
- nominee CNIC details.
SBP’s Premium Prize Bond FAQ also states that maintaining a bank account in the applicant’s name is mandatory. Premium bonds can be purchased through cash, bank draft, crossed cheque or pay order, subject to the applicable realization requirements.
Overseas Pakistanis are also eligible under the official Premium Prize Bond scheme, subject to the applicable identification requirements.
How to Buy a Bearer Prize Bond
The transaction is fairly simple.
First, decide whether you want Rs.100, Rs.200, Rs.750 or Rs.1,500 bonds. Check the next draw date on the Prize Bond draw schedule if draw eligibility matters to you.
Then visit an authorized selling location with your valid CNIC.
Complete the National Prize Bond purchase form, specifying the denomination and number of pieces you want. Pay the required face value using the payment method accepted by the issuing office.
Before leaving, check the physical bonds carefully. Make sure the denomination and printed numbers are readable and keep the bonds somewhere secure.
There is currently no maximum purchase limit stated in the National Savings Prize Bond FAQ for ordinary National Prize Bonds.
How to Buy a Premium Prize Bond
Buying a Premium Prize Bond requires more information because ownership is registered.
Choose either:
Rs.25,000 Premium Prize Bond, or
Rs.40,000 Premium Prize Bond.
Visit an SBP BSC office or authorized commercial-bank branch and complete the current purchase application. Provide your identification, bank-account documentation and nominee details.
Payment may be made through the officially supported methods such as cash, cheque, pay order or bank draft.
The registered structure matters later. National Savings says both prize money and the product’s bi-annual profit are credited directly to the investor’s bank account.
That makes the Premium product fundamentally different from carrying an anonymous bearer bond.
Can You Choose a Specific Prize Bond Number?
Do not build your purchase plan around getting a particular “lucky” number.
The current SBP BSC bearer-bond purchase form asks buyers to select the denomination and number of pieces, but it does not provide a field for requesting a preferred serial number. Actual numbers depend on the stock being issued at the selling location.
More importantly, National Savings specifically says there is no way to ensure that a purchased Prize Bond will win.
A seller claiming that a VIP number, formula number or special series can guarantee a future prize should therefore be treated cautiously.
See Prize Bond scams and fake winning claims for more guidance.
Can You Buy Prize Bonds Online?
I could not verify a current official online-purchase facility for the physical National Prize Bonds or Premium Prize Bonds from the official National Savings and SBP pages reviewed for this article.
Current official purchase guidance still directs buyers to SBP BSC, National Savings Centres for bearer bonds, and authorized commercial-bank branches where applicable. National Savings does offer several digital savings products, but its published list of digital products does not currently identify a digital Prize Bond purchase product.
So do not transfer money to a website, social-media seller or app merely because it claims to sell “online Prize Bonds.”
If an official digital purchase facility is introduced later, verify it directly through National Savings or SBP before paying.
Should You Buy From an Unofficial Dealer?
The safest answer is no.
For a fresh purchase, use the authorized official channels. This reduces the risk of:
- counterfeit or altered bonds;
- confusion over current denominations;
- paying more than face value;
- buying a bond that does not qualify for the next draw;
- receiving misleading claims about “VIP” or guaranteed numbers.
National Savings itself identifies SBP BSC offices, National Savings Centres and designated commercial banks as authorized channels for National Prize Bonds.
How Long Before a Draw Should You Buy?
This point causes many misunderstandings.
National Savings currently states that only Prize Bonds issued at least 60 days before the draw date are entitled to participate in that draw. It also defines the shut period as the 60 days before a denomination’s draw, when the State Bank and other authorized organizations stop selling that denomination.
Example
Suppose a particular denomination has a draw on 15 November.
Buying a bond from an official counter shortly before 15 November does not make it eligible for that draw. The relevant bond must satisfy the official issue-date requirement.
The practical approach is simple: if you are buying with a particular upcoming draw in mind, check the draw schedule first and buy through an authorized channel well before the 60-day cutoff.
Safe Buying Checklist
Before paying for a Prize Bond, check these points:
- Current denomination: Rs.100, Rs.200, Rs.750, Rs.1,500, Rs.25,000 Premium or Rs.40,000 Premium.
- Authorized seller: SBP BSC, National Savings Centre or an authorized bank as applicable.
- CNIC: carry a valid identification document and copy.
- Premium bond: take the required bank-account and nominee information.
- Upcoming draw: check whether the 60-day eligibility rule has been met.
- Bond condition: inspect physical bearer bonds before storing them.
- No predictions: ignore anyone selling guaranteed numbers, VIP numbers or formulas.
- Keep records: note the numbers of bearer bonds you own, but remember that recording the number does not convert a bearer bond into a registered instrument.
- Check results: after the draw, use the Saving.com.pk Power Search and confirm important wins against the corresponding official result.
How to Keep Your Prize Bond Safe
Bearer Prize Bonds need special care because the physical holder is treated as the owner. National Savings says a lost bearer Prize Bond cannot simply be stopped in the same way as a registered account because ownership belongs to the holder of the instrument.
Store physical bonds in a dry, secure place. Avoid folding them excessively, writing over the serial number or damaging security features.
It is useful to keep a private record or photograph of the numbers for checking results, but that record does not replace the physical bearer bond.
Premium Prize Bonds have an advantage here because ownership is registered. SBP also maintains a specific lost-Premium-Prize-Bond application procedure.
What to Do Next
Knowing where and how to buy Prize Bonds in Pakistan starts with choosing the correct product. For Rs.100, Rs.200, Rs.750 and Rs.1,500 bearer bonds, use authorized SBP BSC, National Savings or designated bank channels and keep the physical bond secure. For Rs.25,000 and Rs.40,000 Premium Prize Bonds, expect registration, bank-account documentation and nominee information.
If your main purpose is participation in an upcoming draw, check the 60-day eligibility rule before buying. There is no officially recognized number, pattern or seller that can guarantee a winning result.
Saving.com.pk is an independent information website and is not operated by National Savings, SBP BSC or the Government of Pakistan. Official sources should be used for final confirmation of purchase rules and policy changes.
FAQs
Do I need a CNIC to buy a Prize Bond?
For ordinary National Prize Bonds, the current SBP BSC purchase form requires a copy of a valid CNIC. Premium Prize Bonds require more detailed identification and bank information because the investment is registered.
Can I buy Rs.25,000 or Rs.40,000 bearer Prize Bonds?
The active Rs.25,000 and Rs.40,000 products are Premium Prize Bonds (Registered). Do not confuse them with the old withdrawn bearer instruments.
Is there a limit on how many Prize Bonds I can buy?
National Savings currently says there is no purchase limit for National Prize Bonds. SBP’s Premium Prize Bond FAQ also says there is no maximum limit in number or value, although Premium bonds are issued in multiples of their face value.
Can I buy a Prize Bond one week before the draw?
A bond bought or issued that close to the draw would not satisfy the current 60-day eligibility rule for that draw. Check the schedule before purchasing if participation in a specific draw is your objective.
Does a Premium Prize Bond pay profit as well as prizes?
Yes. National Savings describes Premium Prize Bonds as registered instruments with quarterly prize draws and bi-annual profit payments, with both prize money and profit credited to the investor’s bank account. The applicable profit rate can change, so check the latest official notification rather than relying on an old rate.