Manage your savings account

When you're ready to buy your first home, you need to ask us to close your Help to Buy: ISA. If you're registered for Mobile app, Online or Direct Banking you can close your Help to Buy: ISA in the following ways.

Mobile app

• Log into the Mobile app.
• Click on your Help to Buy: ISA account.
• Under  "My savings account" click "Close this account".
• Once selected, click "Continue".
• Complete the information on the form and submit.

Online Banking

• Log in to Online Banking.
• Start a chat with Cora by clicking on the "Need help" icon, then "chat now".
• Type "I want to close my Help to Buy: ISA" to start your account closure.

Direct Banking  

• Call us on 03457 888 444 from the UK or 0345 030 3605 if you're overseas. Call charges may differ if calling from overseas.  Relay UK Number 18001 03457 888 444. To close your Help to Buy: ISA over the phone, you need to have other products with us. 

To close your Help to Buy: ISA via Mobile app or Online Banking, you need to have other products with us.

Not registered for Mobile app, Online or Direct Banking? You'll need to visit your local branch or write to us to close your Help to Buy: ISA.

Visit your local NatWest branch

• Take along your Debit Card, Pin and proof of ID with you. If you haven't got a Debit card relating to your savings account, please bring an up to date form of identification. You'll find a list of the forms of ID we can accept here. 

Write to us

• Write to us at: NatWest ISA Team, Everyday Banking, PO Box 5612, Manchester, M61 0WN
• When you write to us, please make sure you've included the details of the account you want to close and details of where any funds should be transferred to (including the account number and sort code for both accounts). Please make sure you sign and date the letter too. Then we'll arrange to close your account and send you the Closing Documentation, which can take up to 10 working days. 

Any withdrawals you make before closing your account will reduce the value of the bonus you can claim. 

Please allow up to 5 working days for your account closure and receipt of your Closing Document, which your conveyancer (or solicitor) will need to claim the bonus from the UK Government on your behalf. If you have chosen to receive your document via post then please allow up to 10 working days.  

You have up to 12 months from closing your Help to Buy: ISA to claim your bonus but this should be done as soon as possible to make sure the bonus is received before you are due to complete the purchase of your new home.

Digital Regular Saver lets you take out money whenever you need it. Just use our mobile app, log into Online Banking or get in touch with us to move money into your NatWest current account. If you can, you can drop in to your local branch for help.

If you close your current account with us in future, you'll only be able to take money out of your account in branch.

Savings Builder lets you take out money whenever you need it. Just use our mobile app, log into Online Banking or get in touch to move money into your NatWest current account. If you can, you can drop in to your local branch for help.

If you close your current account with us in future, you'll only be able to withdraw money from your account in branch.

You can't make withdrawals from your Fixed Term Savings Account between the Fixed Term start date and maturity date. 

To access your funds early you will need to request an early closure of your Fixed Term Savings Account. You can do this via the Mobile app, Online Banking, telephony or by visiting any branch. 

There is a 35 days notice period and an early closure charge. The early closure charge will be the lower of the amount of interest earned on your account or 90 days interest.

To complete this via the mobile app, you must have the app downloaded to your device. You must be registered for telephone banking to speak to our Direct Banking team. You must be registered for Online Banking to speak to the Online Banking team where they can assist you.

Flexible Saver lets you take out money whenever you need it. Just use our mobile app, log into Online Banking or get in touch with us to move money into your NatWest current account. If you can, you can drop in to your local branch for help.

If you close your current account with us in future, you'll only be able to withdraw money from your account in branch.

First Saver an instant access account, so you can take money out whenever you want but how you do that depends on whether the account is held in trust by an adult, or by a child. 

Account held in trust: Only the adult who holds the account in trust for a child can take money out the account, by using the Mobile app, Online Banking, Direct Banking or visiting a NatWest branch. 

Account held by child: If the child is 11 years or older, they can register for our telephone and Online Banking services and use them to move money into their Adapt current account if they've got one. Children under 11 can only take money out in branch and will need to take some ID with them.

There are daily limits on the amount you can transfer from your account on Mobile app, Online or Direct Banking. The current daily limits and how to withdraw more than them can be found here or by contacting Direct Banking. 

If you've opened a First Saver held in trust for your child, they are legally entitled to the money in the account when they turn 16 years old if the adult trustee’s address is in Scotland, or 18 years old if the adult trustee’s address is elsewhere. 

At that point, the adult trustee should transfer the account into the child’s name so they can access the money.

Up until the Term Start date you can add or withdraw funds from your Fixed Rate ISA. After the start date, you’ll need to wait until the account matures.

Want to make a withdrawal after the cut-off, but before the maturity date? You’ll need to request to close your account by giving  written notice to your branch. An Early Closure Charge will then apply, except in the event you pass away.

The Early Closure Charge will:

•Be the lower of the interest earned on your account, or 90 days’ interest

•Be deducted from the balance of your Fixed Rate ISA.

The total amount you receive (including interest earned on your balance) will be no less than your deposit at the start date. For example, if you’ve earned 50 days’ interest, you will only pay an Early Closure Charge equivalent to 50 days’ interest. And if you’ve earned 100 days’ interest, you will only face a charge equivalent to 90 days’ interest.

Please note your Fixed Rate ISA account will not close this will be changed to a Cash ISA to protect your ISA tax free status.

Limited Edition Saver lets you take money out whenever you need it;

•   In Branch.

•   Using Online Banking. You may need to register for biometric approval.

•   Using the mobile app. You can make higher value payments if you have biometric approval set up with a Card Reader (selected devices only, criteria apply).

•   By Telephone banking. You can phone Premier 24 if you need to make a one-off larger payment. You will need a debit card for security. If you don’t have one you will need to order a card and card reader in advance.

•   If you need to make a one-off larger payment and have a balance of more than £250,000, you can phone Premier 24. You can use this service as a Personal or Premier customer and will need a debit card for security. If you don’t have one you will need to order a card and card reader in advance.

There are daily limits on the amount you can transfer from your account online, by telephone or the mobile app. The current daily limits and how to withdraw more than them can be found at natwest.com/what-are-the-payment-limits or by contacting Telephone Banking. 

There are daily limits on the amount you can transfer from your account on Mobile app, Online or Direct Banking. The current daily limits and how to withdraw more than them can be found here or by contacting Direct Banking. 

First Reserve is an instant access account, which means you can take money out whenever you want.

The quickest way is to use the mobile app, Online Banking or Telephone Banking to transfer the money into your NatWest current account if you have one. Or you can visit a NatWest branch and our staff can help you.

If you don’t have a NatWest current account you can use the mobile app, Online Banking or Telephone Banking to transfer your money. You may need your card and card reader to do this.

There are daily limits on the amount you can transfer from your account on mobile app, online or telephone banking. The current daily limits and how to withdraw more than them can be found here or by contacting telephone banking.