The current Premium Bonds investment limit is £50,000, which is set out in UK legislation. When setting the investment limit, HM Treasury and NS&I must strike a balance between the differing needs of savers, taxpayers and the wider financial sector. While some customers would wish to invest more than the current limit in Premium Bonds, raising the limit could lead to the scheme becoming dominated by a small number of people with large investments. NS&I has found from experience that customers are sensitive to taking part in a prize draw in which some people hold a very large number of bonds. In addition, NS&I is sensitive to changing the investment limit in a way that disadvantages other banks and firms that offer rates of interest with similar returns to Premium Bonds.