Your online maturity

Our online fixed rate accounts are set up to make managing your money as easy as possible. On the day your bond matures, we will transfer your savings to another account and will allow you access to make any withdrawals, reinvest into another bond or to close your account. If you decide you would like to reinvest into another bond, you can do this through your online account, just follow the details outlined below.

How to reinvest into another Fixed Rate eBond

1. On the day your bond matures, login to your online account.
2. Select the account which now holds your savings and click ‘Reinvest in e-Bond’.
3. Select the bond term and choose either monthly or annual interest options.
4. Read the declaration and click to confirm your decision.

Things to consider when reinvesting

• The details for the product available for reinvestment will be detailed in the email you’ll receive before your bond matures.
• You’ll be able to make additional deposits into this bond for up to a month after maturity.
• You should ensure you read both the product terms and general terms & conditions before making any reinvestment.
• Reinvesting into another bond will transfer all your matured savings. If you only want to reinvest part of your savings, you will need to make a withdrawal from the account your bond has matured into before reinvesting.

When your Fixed Rate ISA matures we will automatically transfer your funds into a Variable or Fixed Rate e-ISA which will allow you immediate access to your savings. After this, you have a number of options open to you:

• leaving your funds in the Variable or Fixed Rate e-ISA
• reinvesting into another Fixed Rate e-ISA
• transferring your savings to another account.

If you decide to reinvest into another Fixed Rate e-ISA you can do this by following the steps below.

How to reinvest into another Fixed Rate e-ISA

1. On the day of maturity, log-in to your online account.
2. Select the account which now holds your savings and click ‘Reinvest for longer’ in the right-hand menu.
3. Confirm the rate and term for your new Fixed Rate e-ISA and click ‘Continue’.
4. Read the declaration and click ‘Submit’.

Things to consider when reinvesting

• The details for any Fixed Rate e-ISA which is available for reinvestment will be detailed in the email you’ll receive before maturity.
• You can transfer ISA savings you hold elsewhere whilst this Fixed Rate e-ISA remains on sale. Any transfers into this ISA from another provider may incur transfer charges so you should check with your existing provider before making a transfer.
• You should ensure you read both the product terms and general terms & conditions for the new ISA before making any reinvestment.
• Reinvesting into another Fixed Rate e-ISA will transfer all your matured savings. If you only want to reinvest part of your savings, you will need to make a withdrawal before reinvesting. You can do this directly from the e-ISA your savings matured into, by clicking ‘Transfer money’ in your online account after you log in.

If you want to, you can withdraw all of your savings after maturity without losing any interest.

1. To transfer your savings, log-in to your online account on or after the day your ISA matures.
2. Select the e-ISA account which now holds your savings and click ‘Transfer money in the right-hand menu.
3. Follow the instructions to transfer your money to another account.

Please note, if you wish to close the account which holds your savings, you can do this by selecting 'Close account' in the same menu of your online account.

If you do make a withdrawal or close your account without transferring directly to another ISA, the amount you withdraw will lose its tax-free status and cannot be transferred back into the e-ISA your savings matured into if you have already invested the full ISA limit for the current tax year.

If you haven't already subscribed in another Cash ISA during the current tax year, you could add more to your account, subject to ISA limits. A reminder of these can be found in our Guide to Tax-free savings.