We'll get in touch with you before the end of your fixed term to see what you'd like to do next with your money.

You'll be able to choose from the following three options:

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

You must make your end of term choice a few days before the end of your fixed term. You can see the exact date when you log in. If you don't make a choice in time, we'll send your savings, plus interest, back to your nominated current account on your maturity date.

Shortly before the end of your fixed term, you'll be able to choose what you'd like to do next with your money.

You'll be able to choose from the following three options:

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

If you choose option 2, you'll be able to withdraw some of your savings balance, plus your total interest, whilst the rest of your money will be reinvested into a new SmartSave account.

You must make your end of term choice a few days before the end of your fixed term. You can see the exact date when you log in. If you don't make a choice in time, we'll send your savings, plus interest, back to your nominated current account on your maturity date.

You can change your nominated current account details anytime before your fixed term ends.

Simply log in and click 'Account'. You'll then be able to edit your current account details.

Your new bank details will need to be:

• In your name
• A current account, not a savings account
• Able to accept faster payments
• From a UK bank or building society

So that we can verify your new bank details before the end of your fixed term, we recommend that you check the bank details we have saved for you and make any changes sooner rather than later.

If we're unable to verify your new bank details online, we'll continue to hold the details of your existing nominated current account.

We'll get in touch with you before the end of your fixed term to see what you'd like to do next with your money.

You'll be able to choose from the following three options:

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

You must make your end of term choice a few days before the end of your fixed term. You can see the exact date when you log in. If you don't make a choice in time, we'll send your savings, plus interest, back to your nominated current account on your maturity date.

So that we can fulfill your wishes as seamlessly as possible, we recommend that you carefully consider all of the end of term options provided before making a final decision.

If you'd like to change your end of term option, please get in touch with our UK support team as soon as possible to discuss this in more detail.

So that we can fulfill your wishes as seamlessly as possible, we recommend that you carefully consider all of the end of term options provided before making a final decision.

If you'd like to change your end of term option, please get in touch with our UK support team as soon as possible to discuss this in more detail.

If you've chosen to reinvest with SmartSave, your new account will open and begin earning interest as soon as your existing SmartSave account closes.

So, you can have peace of mind knowing that you can continue earning interest at a great rate.

We'll email you to let you know when your new savings account is open.

Depending on what end of term option you choose, we may send some or all of your savings balance back to you. Either way, any returned funds will be sent to your nominated current account by Faster Payments on your maturity date.

Depending on what end of term option you choose, we may send some or all of your savings balance back to you. Either way, any returned funds will be sent to your nominated current account on your maturity date.

We'll get in touch with you before the end of your fixed term to see what you'd like to do next with your money.

You'll be able to choose from the following three options:

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

You must make your end of term choice a few days before the end of your fixed term. If you don't make a choice in time, we'll send your savings, plus interest, back to your nominated current account on your maturity date.

Shortly before the end of your fixed term, you'll be able to choose what you'd like to do next with your money.

You'll be able to choose from the following three options:

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

If you choose option 2, you'll be able to withdraw some of your savings balance, plus your total interest, whilst the rest of your money will be reinvested into a new SmartSave account.

You must make your end of term choice a few days before the end of your fixed term. If you don't make a choice in time, we'll send your savings, plus interest, back to your nominated current account on your maturity date.

Yes, unlike other banks, we save our very best rates for existing SmartSave customers. However, whether you're a new or existing customer of ours, you'll always be able to save the smart way at a great rate.

So that we can make sure we’re always offering the best rates we can, our rates will change from time to time. You can always see our current rate on our homepage and for transparency, we also post all our historical interest rates.
 

Before the end of your fixed term, you're given a couple of weeks to choose what you'd like to do next with your money.

You need to make your decision a few days before your maturity date. You can see the exact date when you log in. 

You can choose from the three options below.

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

We'll send you an email when you can log in and make your choice.

If you can't see any end of term options when you log in, it'll be due to one of the following reasons.

Your savings account is more than 18 days away from the end of it's fixed term so you won't be able to choose your end of term option just yet

• Your savings account is four or fewer days away from the end of it's fixed term. This means that your savings balance, plus interest, will be returned to your nominated current account on your maturity date.

If you'd like to discuss this further, get in touch with our team.

Once you've reinvested and your new SmartSave account is open, you'll have a 14 day deposit window to transfer additional funds from your nominated current account to your SmartSave account.

Your savings balance can be anything from £10,000 up to £85,000.

Follow the steps below to add money to your SmartSave account.

1. Log in to your SmartSave account and make a note of our payment details i.e. Payee name, sort code, account number and reference.
2. Go to the nominated current account you've chosen to transfer money from - you can do this online, on the phone or in branch depending on your bank.
3. Use the details from step 1, above, to make the transfer. It's important to use your unique reference number e.g. SMRTD0000 or we won't be able to accept your deposit.

If you transfer anymore funds during your 14 day deposit window, please be aware that the amount of interest earned will be less than if you transferred your funds on the day your new account opens. This is because we apply interest to the funds that are in your account on a daily basis.

If the minimum deposit of £10,000 isn't transferred at the end of the deposit window, we'll close your account and your savings will be sent back to your nominated current account.

Our UK support team are available to answer any of your questions from 8am - 6pm, Monday to Friday on live chat and email. If you'd like to speak to us on the phone, just send us a quick email and we'll call you as soon as possible.

If you prefer, you can log in, click 'End of term' and take a closer look at your end of term options there.

You can change your nominated current account details anytime before your fixed term ends.

Simply log in and click 'Account'. You'll then be able to edit your nominated current account details.

Your new bank details will still need to be:

• In your name
• A current account, not a savings account
• Able to accept faster payments
• From a UK bank or building society

So that we can verify your new bank details before the end of your fixed term, we recommend that you check the bank details we have saved for you and make any changes sooner rather than later.

If we're unable to verify your new bank details online, we'll continue to hold the details of your existing nominated current account.

It's important that we can verify your new bank details. If we can't, we won't be able to change the account we return your savings balance to.

We'll get in touch with you before the end of your fixed term to see what you'd like to do next with your money.

You'll be able to choose from the following three options:

1. Reinvest all of your savings balance, plus interest

2. Reinvest some of your savings balance (the remaining funds, plus interest, will be sent back to your nominated current account)

3. Withdraw your total savings balance, plus interest

You'll be able to see these options on the 'End of term' page when you log in.

You must make your end of term choice a few days before the end of your fixed term. If you don't make a choice in time, we'll send your savings, plus interest, back to your nominated current account on your maturity date.