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I’ve chosen to reinvest
You should expect to receive a Certificate of Deposit.
If you've decided to let your Fixed Term Savings Account automatically reinvest, we will send you a Certificate of Deposit with all the details within 14 days of new term start date.
This is what will happen next:
- You can still make changes after your account matures, such as topping up your savings. You can do this online, in your mobile app, over the phone or in any branch. You have up to the ‘Last date to make payments or withdrawals’ detailed in the ‘How do I manage my account’ section of the information sheet we send you.
- We’ll send you a new Certificate of Deposit via your secure inbox in your mobile app or Online Banking, or by post within 14 days of new term start date.
- Your account number and sort code will stay the same.
- We’ll continue to pay your interest into the account you chose previously, monthly.
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I don’t want to reinvest
You can decide to opt-out.
If you don’t want to reinvest straight away, it’s easy to opt-out. Just complete the Opt-Out form in your maturity pack and send it back to us at least five days before the maturity date of your Fixed Term Savings Account.
You can also let us know you want to opt out of reinvesting at any point in the six months before your account matures by visiting us in branch or calling 03457 888 444 (Relay UK 18001 03457 888 444)*
Once you've opted out, we’ll convert your Fixed Term Savings Account into an instant access savings account on the day after it matures and pay any outstanding interest into the account you chose previously.
Managing your money:
If you're planning on moving your money, make sure you're set up for Online Banking. You can find more details on how to use Online Banking as well as manage your money on our website.
*If you are a Premier customer, contact NatWest Premier Banking when it suits you or get the help you need, when you need it, 24/7. No hold music, straight through. Talk to us.
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App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Fixed Term Savings Account automatically reinvested
Your funds have been automatically reinvested with a fixed interest rate for the length of your new term.
You can now:
- Increase your savings: Deposit additional funds into your account up to the 'last date to make payments or withdrawals' noted in the maturity pack we sent you. You can quickly transfer funds in the mobile app from another NatWest account held, or use the Add money feature to top up funds from an account you hold elsewhere. Eligibility criteria and limits apply.
- Cancel reinvestment: You can close your account within 30 days of the new term starting, but early closure fees may apply.
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Fixed Term Savings Account has changed to a Primary Savings Account
Access your funds via your new instant access savings account.
You can now:
- Access your funds: Available to withdraw on the day after your Fixed Term Savings Account has matured.
- Continue to save: Transfer funds to your instant access savings account in the mobile app from another NatWest account held or use the Add money feature to top up funds from an account you hold elsewhere. Eligibility criteria and limits apply.
- Consider your savings options: Take a look at your savings options to see which one is right for you.
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Frequently asked questions
Want to take a look at your savings options?
We have a range of other savings accounts available, check out all the options we've got to see which one might be right for you.