About bonds

What happens when my bond is about to mature?

If you opened your bond in a Nationwide branch (Fixed Rate Bond):

About 3 weeks before your Nationwide bond approaches its maturity date, we’ll write to you to let you know:


  • Your maturity date
  • The value of your bond at maturity
  • Your options for reinvesting with us.

You can either fill out the form included with your maturity pack and return it to us, or let us know what you’d like to do by completing our online form.

You could also visit a Nationwide branch to discuss your options.


More about your reinvestment options and completing our online form

If you have an online bond (Fixed Rate e-Bond)

We'll email you before your bond is due to mature to explain your options.

To see your exact maturity date, just log in to the Internet Bank or Banking app, and select your Fixed Rate e-Bond from the 'Overview of accounts' screen

During the last 30 days before your account matures, you will be able to see how much you've saved so far – as well as the total amount you'll have in your account when it matures.

What if I want to reinvest my money after my bond matures?

Opening a new bond

If you opened your bond in a Nationwide branch (Fixed Rate Bond)

When you complete your bond maturity form (online or on paper), you’ll have the option to reinvest your money in a new bond.

If you have an online bond (Fixed Rate e-Bond)

Just log in to the Internet Bank, select your maturity account and choose ‘Reinvestment Options’. Then you can choose how much you want to reinvest.

Other options for reinvesting

If you don’t want to reinvest your money in a new bond, you could choose to open a different type of account from Nationwide’s wide range of savings.

Explore our savings range

When my bond matures, I want to take out all or some of my money – what are my options?

If you opened your bond in a Nationwide branch (Fixed Rate Bond):

When you complete your bond maturity form (online or on paper), you’ll have the option to transfer all or some of your money to one of your nationwide accounts (subject to the terms and conditions of that account), or you can choose to receive a cheque.

If you have an online bond (Fixed Rate e-Bond):

We’ll email you before your bond is due to mature to explain your options at maturity. These are:


  • To reinvest your money/interest earned into a new Fixed Rate e-Bond
  • To reinvest and add some extra money
  • To reinvest part of the money and withdraw the rest by transferring it to your Nationwide current account
  • To close your maturity account and transfer the money/interest earned to your Nationwide current account

What happens if my bond has already matured?

On maturity, your balance will move into a Fixed Term Bond maturity account or Fixed Term e-Bond maturity account, which offers instant access to your money.

For full information, you’ll need to check your account terms and conditions.


What if I have a joint bond that’s approaching maturity?

If you opened your bond in a Nationwide branch (Fixed Rate 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 both 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 you can hand it in at your local branch.

If you have a joint online bond (Fixed Rate e-Bond)

We’ll send the email that explains your options at maturity to the email address that you used to register your account.

What if I want to close my bond early?

If you want to take out your money before your bond matures, you’ll need to pay an early access charge.

For full information, you’ll need to check your account terms and conditions.


Close my bond

I opened my bond in branch (Fixed Rate Bond) – what happens if I’ve lost my bond certificate?

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

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