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When your bond ends

We'll make it easy for you to decide what to do next

If you have a Fixed Rate e-Bond that's about to end or has already ended, we'd like to say thank you for saving with us so far. Here you can find out what happens next and the different options you can choose from.

What happens next?

At the Yorkshire, we like to make managing your money as easy as possible. That's why on the day your current bond ends, your savings will be automatically transferred to an Internet Saver -Issue 3 (ex e-Bond).

Once your funds arrive in your new account, you can choose from four simple options:

  1. Keep your money in your new Internet Saver -Issue 3 (ex e-Bond) account, where you can make withdrawals and add to your savings whenever you like
  2. Reinvest your funds in a new Fixed Rate e-Bond, with no need to reapply
  3. Transfer some or all of your money to another provider - or close your account completely
  4. Choose to do something else with your money

Just bear in mind that you'll have to wait until your bond ends before any of the options can be taken up. Unfortunately you can't set up any instruction to reinvest funds before then and all transactions after your bond ends must be done online.

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What are your options?

Option 1

Stay in our Internet Saver - Issue 3 (ex e-Bond)

If you want the flexibility of easy access, you can keep your money in this handy online-only account which lets you manage your money in just a few clicks.

  • Get unrestricted access to your money at any time
  • Make withdrawals with no loss of interest
  • Take your interest monthly or annually
  • Manage your account online, any time that suits you

If you'd like to take up this option, you don’t need to do a thing. On the day your current bond ends, your savings will automatically be transferred into an Internet Saver -Issue 3 (ex e-Bond) account. You’ll start earning interest from day one and can top up your savings and make withdrawals any time you like

Please read the full product terms and general terms and conditions before making any decisions.

Find out more

Option 2

Reinvest for longer with a new Fixed Rate e-Bond

If you're saving for a medium-term goal, you can reinvest in a limited issue bond to earn a better rate in return for investing your money for longer.

  • Get a guaranteed fixed interest rate for the duration of the bond
  • Reinvest easily online
  • Make further deposits for up to 1 month after your bond ends
  • Withdraw money or close the e-Bond if you need to, subject to a potential loss of interest depending on the terms of the bond

Some things to bear in mind. This limited-issue bond will usually be withdrawn from sale 1 month after your bond ends. If you make an application after the e-Bond has been withdrawn, your deposit will be returned to you.

By reinvesting into a new Fixed Rate e-Bond, you are instructing us to transfer the full balance of your savings to your new bond. If you want to withdraw any funds from your savings, you'll need to do this before reinvesting. You'll then be able to reinvest from the next working day.

If you'd like to take up this option

  1. Wait until the day your bond ends then log in to your online account
  2. Select your Internet Saver -Issue 3 (ex e-Bond) which holds your savings and then click 'Reinvest in e-Bond'
  3. Select the product term and choose monthly or annual interest
  4. Read the declaration and confirm your decision*

To view the full product terms for any Fixed Rate e-Bond we offer you please click the link in your maturity emails.

Option 3

Take your money

Moving your money to another bank or building society account elsewhere couldn’t be easier. You just log in to your online account and follow these simple steps:

  1. Select your Internet Saver -Issue 3 (ex e-Bond), which holds your savings
  2. Click the ‘Transfer money/close account’ option in the right-hand menu
  3. On the ‘Transfer money’ page, scroll to the bottom and select ‘Close account’
  4. Follow the steps to close your account

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Option 4

Choose to do something else

If you're saving for a different goal now, like a car or a holiday, a different type of account might suit you better. Here at the Yorkshire, we have a wide range of accounts to meet your needs including ISAs, fixed term and easy access accounts.

Give us a call on 0845 1200 805 to talk through your options with one of the team. Alternatively, browse our savings pages to find out more about the accounts we offer. 

View our savings section

Important information

  • Please ensure you read the full product terms and general terms and conditions before confirming your decision to re-invest into a Fixed Rate e-Bond.
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Frequently asked questions

When does my bond end?

You’ll receive an email before your bond ends, reminding you of your end date and explaining all the reinvestment options open to you.

What happens to my funds after my bond ends?

On the day your bond ends, your balance will be automatically transferred to an Internet Saver -Issue 3 (ex e-Bond) - our easy access online account. Once your funds arrive in this account, you've four simple options:

  1. Enjoy instant access to your money by leaving it in your Internet Saver - Issue 3  (ex e-Bond)
  2. Reinvest for longer by transferring your savings into a new Yorkshire online Fixed Rate e-Bond
  3. Transfer some or all of your money to another account of your choosing or close your account completely
  4. Choose to do something else entirely

Bear in mind that we can’t take transfer instructions before the date your bond ends and all transactions after your bond ends must be done online.

How can I reinvest my savings into a new bond?

It’s really simple. After your bond ends;

  • On that day or the day after, log in to your online account
  • In the Options menu on the right, select ‘Reinvest in e-Bond
  • Select the product term, choose monthly or annual interest and confirm your decision

What if I want to leave my savings in my Internet Saver -Issue 3

No problem - you don't need do a thing. Your funds will automatically be transferred and start earning interest from day one. It’s worth knowing that you can keep a very large balance in this account (up to £1 million), so it’s a handy home for any other savings you may have. And if you want to withdraw from your account or close it completely, you can do so at any time without losing any interest.

How do I transfer matured savings to another account?

All you need to do is nominate an account to transfer your money to.

  • Log in to your online account
  • Click the ‘Transfer money/close account’ option in the right-hand menu
  • Follow the steps to transfer your savings. 

Remember we can’t take transfer instructions before the date your bond ends and all transactions after maturity must be done online.

How do I close my Internet Saver-Issue 3 account?

All you need to do is nominate an account to transfer your money to.

  • Log in to your online account
  • Click the ‘Transfer money/close account’ option in the right-hand menu
  • On the ‘Transfer money’ page, scroll to the bottom and select ‘Close account’
  • Follow the steps to close your account

I've lost my log-in details, how can I log in?

It's easy, just call our helpline on 0845 1200 805*. We'll verify your identity to keep your account secure, before reminding you of your customer number.

If you've forgotten your password you can request a new one via the automated system on our helpline.

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Interest rates

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Help & support

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    Why choose the Yorkshire?

     

    Our service comes highly rated

    We don't need a customer charter to tell us how to look after our customers. It just comes naturally. Our people genuinely care, and deliver the sort of experience you'll want to tell your friends about.

    Because of our exceptional service, 9 out of 10 of our customers would happily recommend us. We also earned a string of 'Best Buy' mentions and awards over the last few years*.

    Find out more about Your Society
    • Source: YBS Customer Satisfaction Survey May 2011 - April 2012. 1931 total responses across all branches.
    • Source: Presswatch Financial from Kantar Media, 2012.

    Recent awards

    See for yourself how our straightforward, honest products and excellent service have been drawing a lot of attention.

    • Most Trusted Savings Provider

      Moneywise Customer Service Awards 2013

      Winner

    • High Street Savings
      Provider of the Year

      Consumer Moneyfacts Awards 2013

      Winner

    View all our awards