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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.

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

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.

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.

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

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

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.”

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.”

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.

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.

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


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.

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.

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.

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.

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.

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