Fixed cash ISA maturity instructions

When the term is nearly over for your fixed cash ISA, provide your instructions to choose what you want to do with your savings.

Your options if your account is due to mature

If there's 28 days or less left of your fixed term, you can choose what you'd like to do with your money:

  • Reinvest your full balance into a new fixed rate cash ISA.
  • Reinvest and add more money.
  • Withdraw money and reinvest the rest.
  • Close the account and withdraw all your money.

More about reinvesting into a fixed cash ISA

The benefits of reinvesting

  • All interest is paid tax free.
  • You can withdraw money and put it back in as many times as you like in the same tax year. It will not count towards your ISA allowance.
  • You have 14 days from the date the ISA changes to cancel the account with no charge. You can do this by closing it or transferring to another ISA product. We will pay you back any credit balance and pay interest on the account for the time your money was with us.

Bear in mind

  • You can choose where your interest is paid: to your ISA, to another account with us or another bank or building society.
  • If you arrange for your interest to be paid into a different account, any more interest you earn from this may be subject to tax, unless the other account is also tax-free.
  • At the end of the fixed term, unless we receive instructions from you, your account will automatically change to an Instant Cash ISA

What you can reinvest into

What you can reinvest into

Account name

Interest rate

Minimum opening balance

How long the account stays open for


Account name

2 Year Fixed Rate Cash ISA

Interest rate

tax free/AER fixed. Choose to have interest paid after each year or each month.

Minimum opening balance


How long the account stays open for

2 years. Then your account will change to an Instant Cash ISA.


You can access your money, but you will be charged the same as 180 days' worth of tax free interest. The charge is taken from your account so you may get back less than you deposited.

You will get the interest rate that is correct on the day your existing term ends.

How to select your choice

You need to submit your instructions at least 5 working days before the date your fixed term ends.


Provide your instructions through Internet Banking by selecting your option under “more actions” in your account overview.

Log in to select your maturity option

If you have not already, you can register for Internet Banking.

By phone

You can call us on 0345 603 5042.
Lines are open 9am – 6pm Monday to Saturday.

In branch

Visit your local branch with proof of identity. We recommend you book an appointment.

After you've submitted your choice

If your account matures on a Friday, weekend or bank holiday, you won't see your requested changes in Internet Banking until the next working day.

If you reinvest, once your request is complete we will send you a Certificate of Investment confirming the term and interest rate on your new account.

Your options if your account has already matured

If your fixed cash ISA matured and you didn't provide your maturity instructions, it would have changed into an easy access cash ISA with a variable interest rate.

You can now decide whether to:

  • do nothing, and your money will stay in the easy access cash ISA
  • renew into a different easy access cash ISA
  • open a new fixed cash ISA and transfer over your funds.
    • To transfer, once your new fixed ISA is open, select ‘Add money’ in Internet Banking and then ‘Transfer in existing ISA’.
    • You will receive a new account number and sort code.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Calls may be monitored or recorded to help us improve our quality of service.