Fixed Interest Savings Certificates

Fixed Interest Savings Certificates are no longer on sale. Find out how to manage your current Certificates if they’re coming up for maturity, or if you need to cash in early.

Find out how much your Certificates are worth

You can easily find out how much your Certificates are worth by logging in to your online account.

Managing your maturing Certificates

We’ll write to you around a month before your Certificates mature explaining the options available to you.

You’ll need to decide if you want to:

  • automatically renew your Certificate for another term of the same length
  • renew it for a term of a different length
  • cash it in

If you choose to renew your Certificate for another term of the same length, you’ll receive the interest rate we quote in your letter, even if our rates go down before your maturity date. If you renew for a different term, you’ll receive the rate on offer on the date your Certificate matures. Bear in mind that this could be higher or lower than the rate in the summary box we send you.

See the summary box for the renewal rates on offer:

Fixed Interest Savings Certificates summary box

You can see the new customer agreement here:

Key features leaflet, including customer agreement 


Not heard from us?

Call us if you have any questions or you haven’t heard from us 30 days before the end of your investment term. And don’t forget to tell us if you change your address or contact details.

Call us

Cashing in early

Fixed Interest Savings Certificates are designed to be held for the whole of your chosen investment term. You can cash in at the end of a term with no penalty or loss of interest.

If you cash in early we will deduct a penalty from your payment, equivalent to 90 days’ interest on the amount cashed in. 

Bear in mind that if you cash in all of your Certificate within 90 days of renewing, you will get back less than your renewal value.

When you cash in part of a Certificate, at least £100 must remain in the Certificate to keep it open.

How to cash in

If you’re registered to manage your savings online, you can log in at any time to cash in your Bonds.

Not registered? You can also cash in Fixed Interest Savings Certificates online without having to create an account.

Download a cashing in form