Fixed cash ISA maturity instructions

We’ll send you a maturity pack before your maturity date containing all the information you will need about the options available to you.

If your account has already matured, skip to read your options.

Your options if your account is due to mature

If there's 28 days or less left of your fixed term, you can choose what you'd like to do with your money:

• Reinvest your full balance into a new fixed rate cash ISA.
• Reinvest and add more money.
• Withdraw money and reinvest the rest.
• Close the account and withdraw all your money.

More about reinvesting into a fixed cash ISA

The benefits of reinvesting

• All interest is paid tax free.
• ISA transfers benefit from our ISA Promise.
• You have 14 days from the date the ISA changes to cancel the account with no charge. You can do this by closing it or transferring to another ISA product. We will pay you back any credit balance and pay interest on the account for the time your money was with us.

Bear in mind

• All deposits and transfers must be received within 60 days of account opening.
• You can choose where your interest is paid: to your ISA, to another account with us or another bank or building society. If you arrange for your interest to be paid into a different account, any more interest you earn from this may be subject to tax, unless the other account is also tax-free.
• At the end of the fixed term, unless we receive instructions from you, your account automatically changes to an Instant ISA Saver. 

What you can reinvest into

How to select your choice

You can submit your instructions by phone, online or in one of our branches with a counter. You need to do this before the date your fixed term ends. If you lose your maturity pack, you can still submit your choice by any of the options below.

Online

Provide your instructions through Online Banking by selecting your option under “more actions” in your account overview.

Select your maturity option

If you have not already, you can register for Online Banking.

By phone

You can call us on 0345 726 3646. Lines are open Monday to Sunday 7am-11pm.

In branch

Visit your local branch with a counter and bring proof of identity. We recommend you book an appointment.

After you've submitted your choice

If your account matures on a Friday, weekend or bank holiday, you won't see your requested changes in Online Banking until the next working day.

Once your request is complete we will send you a Certificate of Investment confirming the term and interest rate on your new account.

Your options if your account has already matured

If your fixed cash ISA matured and you didn't provide your maturity instructions, it would have changed into an easy access cash ISA with a variable interest rate.

You can now decide whether to:

• do nothing, and your money will stay in the easy access cash ISA
• renew into a different easy access cash ISA
• open a new fixed cash ISA and transfer over your funds.
  • To transfer, once your new fixed ISA is open, select ‘Add money’ in Online Banking and then ‘Transfer in existing ISA’.
  • You will receive a new account number and sort code.

For a definition of AER, tax free and other terms, view our savings glossary.