When your Nationwide savings bond is approaching its maturity date, we’ll send you a pack to let you know what happens next and how you can submit your instructions to us.

What happens near maturity?

We'll write to you 3 weeks before your bond matures and tell you the:


  • exact maturity date, and
  • your options for reinvesting with us.

Your maturity options

Telling us what you want to do with your money before your bond matures won't affect your interest. We won't take any action until your maturity date.

Use the online bond maturity form or the form in your maturity pack to reinvest your money.

As part of our Savings Promises, we offer a Rate Guarantee when you take another Fixed Rate Bond or Fixed Rate ISA – if our rate changes between the date we notify you of your options and your existing product maturity date, we'll give you the better rate as long as you get back to us by your maturity date.

Top up when you reinvest

Please note: If you want to add money by cheque you should complete the form in your pack, attach the cheque and return it to one of our branches or post it back to us.

Telling us what you want to do with your money before your bond matures won't affect your interest. We won't take any action until your maturity date.

Get a cheque or transfer to an existing Nationwide account

Use the online bond maturity form or the form in your maturity pack.

You can transfer to a current account, card-based savings or passbook account in your name.

If you take money out before your Bond matures, there could be an early access charge. See your Fixed Rate Bond terms and conditions.

Use the online bond maturity form or the form in your maturity pack.

Transfers can be made to your:

  • Nationwide current account,
  • card-based savings or
  • passbook account.

Get a cheque or transfer on the day of maturity

Cheques can be issued in branch on the day of maturity, you must have your bond certificate and a form of ID (eg passport, driving licence).

Use the form in your maturity pack and take it into branch.

Telling us what you want to do with your money before your bond matures won't affect your interest. We won't take any action until your maturity date.

To reinvest your funds into a new e-bond, you need to:

  • Log in to the Internet Bank.
  • Select your Fixed Term Bond Maturity account (highlighted yellow on your accounts list).
  • Select 'Reinvestment options.

You can also add more funds as part of this process.

Please note: You can only do this if you have a Nationwide FlexPlus, FlexDirect or FlexAccount and are registered for the Internet Bank.

Accounts that have already matured

Don't worry, we'll put your money into a Fixed Term Bond maturity account, which offers instant access. See the terms and conditions to find out how you can withdraw your money.

Lost Bond certificates

If you’ve lost your certificate or it has been stolen, tell us before your visit to close your account, either by phone or in branch.

What else do I need to know?

How do I submit maturity instructions for a joint bond?

One signature
If your maturing joint bond is set up so that only one signature is required to operate it, either of you can complete the online maturity instruction. If you choose to save in a new bond, that bond will be set up in the same joint names with only one signature needed to operate it.

Both signatures
If your maturing joint bond requires all account holders’ signatures to operate it, then you'll need to complete the paper maturity instruction form that we will send to you. This will need to be signed by all the account holders and returned to us at:

Dept NW3001 
Nationwide Building Society 
Swindon
SN38 1NW

or alternatively you can hand it in at your nearest branch.

Find out more

Contact us

Visit us in branch

If you need to speak to a member of staff, pop into any branch. Use our branch finder to find your nearest location.

Contact us

Savings & ISA helpline

If you can't find what you need, call us on 0800 30 20 11 (UK), +44 1793 65 67 89 (abroad), 24 hours a day, 7 days a week and we'll be happy to help.