Money

The £20million Lotto jackpot must be won on Saturday night — but which lottery game is best for what you want?


TONIGHT’S “Must Be Won” Lotto prize will be £20million – one of the biggest jackpots in years for the UK competition.

There will also be 20 UK millionaires in the September 18 EuroMillions draw, plus a boosted winning pot of more than £100million the following Friday.

Tonight's 'Must Be Won' Lotto prize will be £20million – one of the biggest jackpots in years for the UK competition

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Tonight’s ‘Must Be Won’ Lotto prize will be £20million – one of the biggest jackpots in years for the UK competitionCredit: Getty Images – Getty

Here is our look at some of the lottery games out there . . .  and what they are best for.

Best for a mansion

Get your ticket for a chance to bag your millions

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Get your ticket for a chance to bag your millionsCredit: PA:Press Association

COST: £2, Wednesday, Saturday.

ODDS: One in 45million for jackpot (minimum £2million Wednesday, £3.8million Saturday), one in nine for any prize. Smallest prize £30.

VERDICT: If no one gets all six numbers, up to five rollovers lead to a “Must Be Won” draw. If still no one hits the jackpot, the prize is split among all cash winners.

WINNERS: Michael Carroll, “King of Chavs”, blew his £10million win on drugs, parties and prostitutes.

Best for two mansions

Big wins are incredibly unlikely

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Big wins are incredibly unlikelyCredit: PA:Press Association

COST: £2.50, Tuesday, Friday.

ODDS: One in 140million to win jackpot of up to £169million. One in 22 to win smallest prize, around £2.80.

VERDICT: Big wins are incredibly unlikely.

WINNERS: Adrian Bayford, 49, won £148million and this year splurged £2.5million on two mansions within a week in Perthshire – one featured a giant rooftop garden.

Best for better odds

Great if you do not want to fork out for a pricier ticket

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Great if you do not want to fork out for a pricier ticket

COST: £1, Tuesday, Wednesday, Friday, Saturday.

ODDS: One in eight million for the £500,000. One in 29 for the smallest prize of £3.

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VERDICT: Great if you do not want to fork out for a pricier ticket and are not chasing big prizes.

WINNERS: Civil servant Karen Ainger, then 57, of Sussex, said after winning £500,000 in 2014: “The odds are quite good and we often get a small win.”

Best to help local NHS

A nice way to support local health services - with a chance to win up to £100,000

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A nice way to support local health services – with a chance to win up to £100,000

COST: £1, Tuesday to Saturday.

ODDS: One in 2.1million for the £100,000 jackpot, one in ten for a win. Smallest prize £5.

VERDICT: A nice way to support local health services. The country is split into 51 areas, which take it in turn to receive payouts.

WINNERS: Sarah Fry, 50, from Oldham, won £10,000 this year. She said: “My nan had Alzheimer’s, it is important for me to back projects helping vulnerable communities.”

Best for a wage

Perfect for anyone who might squander a huge cash win

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Perfect for anyone who might squander a huge cash win

COST: £1.50, Monday, Thursday.

ODDS: One in 15.3million for top prize – £10,000 a month for 30 years. One in 12 for any prize, smallest £5.

VERDICT: Perfect for anyone who might squander a huge cash win.

WINNERS: A year ago mum-of- two Vicky Mitchell, 42, of Halifax, won the life-changing prize. She used the last £1.50 in her online account to buy the ticket and at first thought she had won just £5.

Best with neighbours

It is a good way to bond with neighbours

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It is a good way to bond with neighbours

COST: £10 a month, 20 draws.

ODDS: Not published, but last year 77 per cent of players won prizes. Top prize is £3million shared between all players in a postcode.

VERDICT: It is a good way to bond with neighbours – the more play, the better the chance of your postcode being drawn as a winner.

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WINNERS? Liz Keenan, 53, won £30,000 when still playing with pals from the street she lived on four years previously in South Lanarks.

Best for an instant hit

Suits players who cannot wait for a draw

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Suits players who cannot wait for a draw

SCRATCHCARDS COST: £1 to £5.

ODDS: Vary depending on which you choose. To win £2million on the £2 Million Blue, it is one in 5.4million.

VERDICT: Suits players who cannot wait for a draw, preferring to scratch and see straight away if they are a winner.

WINNER: In 2018 Patrick Morling, 61, from Hampshire, went out to buy dog food, bought a card on a whim and netted £1million.

CASH HACK

GET 20 per cent off at more than 400 eBay outlets when you spend £15 or more until 11.59pm tomorrow with code POCKET20.

Includes big brands such as Hughes, KitchenAid, Office Shoes, Oliver Bonas and Shark. Max discount is £75. One code use per account.

Beat the scammers: Beware cons on hols cash deals

By Ashley Hart Head of Fraud at TSB

BOOKING a holiday at the moment is tricky while keeping track of quarantines, tests and no-go zones.

Crooks pose as companies selling currency or as holidaymakers with leftover foreign money to sell cheap

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Crooks pose as companies selling currency or as holidaymakers with leftover foreign money to sell cheapCredit: Getty Images – Getty

So it is helpful that you can at least find great online deals for foreign currency online. Or is it?

Once, foreign-exchange scams were targeted at inexperienced investors looking to make a quick profit.

But scammers are always on the lookout for new victims. One of my customers lost hundreds of pounds falling for a scam on Instagram.

Crooks pose as companies selling currency or as holidaymakers with leftover foreign money to sell cheap.

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Dodgy firms seem to have great deals online, and you will be asked to transfer money for a pre-paid card in euros, dollars or whatever currency you want.

This card will simply fail to show up and you will have lost your cash. Or, if it does show up, it will often be for far less than the value promised.

Scammers also use social media to sell these pre-paid cards, often claiming to have just returned from a holiday not having used the card.

These will arrive already used, with no remaining balance – if they turn up at all.

Check on the FCA register to see if the company is legitimate, and always look for reviews on independent sites. If in doubt, use one of the trusted providers that have been around for years.

CASH HACK

RBS is offering £100 to anyone switching their main bank account to it.

Accounts to choose from include Reward, which costs £2 per month but gives £4 a month if they have two direct debits and £1 a month for logging on to online banking. Offer ends Nov 19.

Dumb move

MORE than four million homes have smart energy meters that do not work properly.

The devices are supposed to provide instant meter readings to your supplier but 4.1million of the 21.5million meters are still operating in “dumb” mode, so will not work if you switch companies.

The meters, known as Smets 1, with serial numbers starting 19P, cannot communicate between different suppliers.

But the newer versions, Smets 2, with serial numbers beginning 19M, are now being installed by most energy firms.

Mystery lottery winner has just four weeks to claim £57,879,670 jackpot

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