When your Nationwide Fixed Rate ISA is approaching its maturity date, we’ll send you a pack to let you know how to submit your instructions to us.

What happens near maturity?

We'll write to you 3 weeks before your Fixed Rate ISA matures and tell you the:

  • maturity date
  • projected maturity value
  • options, and
  • next steps

Your maturity options

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

Use the online ISA 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

There’s a limit to how much you can put into an ISA in a tax year. If you haven’t reached your limit or added to an ISA with another provider, you can top up when you reinvest.

Your annual ISA allowance isn’t affected if you top up from one of your existing Nationwide ISAs, but will be if you use a non-ISA account.

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

How you get your money, and what happens to your ISA allowance when you reinvest, depends on which form you use.

Get a cheque or transfer to an existing Nationwide account

Use the form in your maturity pack.


  • You can transfer to a current account, card-based savings or passbook accounts in your name, but not to an existing Fixed Rate ISA or Tracker ISA.
  • It won’t affect your ISA allowance if you transfer to an existing Nationwide ISA in your name.
  • Any money you take out cannot be added back into your FRISA.

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

Transfer to a Nationwide account

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


  • You can transfer to a current account, card-based savings or passbook accounts in your name, but not to an existing Fixed Rate ISA or Tracker ISA
  • Once funds have been transferred out of an ISA they cannot be replaced at a later date
  • Transferring maturing funds into an existing Nationwide ISA will not count towards your annual ISA allowance

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

How and when you get your money depends on which form you use or whether you close your Fixed Rate ISA in branch.

Use the online ISA maturity form or the form in your maturity pack up to 3 weeks before maturity.

Transfers can be made to your:

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

Moving maturing money into an existing Nationwide ISA will not count towards your annual ISA allowance.

Transfers can not be made to Fixed Rate ISAs or Tracker ISAs.

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 ISA certificate and a form of ID (eg passport, driving licence).

Accounts that have already matured

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

Lost ISA 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.


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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.

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Savings terms and conditions

A quick link to the terms and conditions for all Nationwide's savings accounts.

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