Useful information on fixed rate bonds

You'll have several options when when your bond matures. It's important to let us know what you decide. Find out what your options are, and let us know your decision, on our fixed rate bond maturity options page.

If you don't let us know, we'll transfer your account balance into a maturity account, giving you access to your money whenever you like.

You can find out more in the account's terms and conditions.

How many signatures you'll need and how we contact you about your maturity options depends on the type of joint bond you have.

If you have a joint Fixed Rate Bond, how you provide your maturity instructions depends on whether your bond requires one or both account holders' signatures.​

If your joint bond only requires one account holder's signature, either of you can let us know what you'd like to do when your bond matures. If you choose to reinvest in a new bond, that bond will be set up in the same joint names with only one signature needed to operate it.

If your joint bond requires both account holders' signatures, you'll need to complete the paper maturity instruction form in your maturity pack. This will need to be signed by all the account holders and returned to us at:​

Dept NW3001
Nationwide Building Society
Swindon
SN38 1NW

You could also return it to your local branch.

We'll send a letter to both account holders 3 weeks before your maturity date to explain your maturity options. These accounts include:

• Fixed Rate Branch Bonds
• Member Exclusive Branch Bonds
• Nationwide Fairer Share Branch Bonds

These joint bonds only require a signature from one account holder.

It's important that you let us know if your contact details have changed. You can update your information in the 'My details' section of the Internet Bank.

We'll send both account holders an email that explains your options at maturity. These accounts include:

• Fixed Rate e-Bonds
• Fixed Rate Online Bonds
• Member Exclusive Online Bonds
• Member Online bonds
• Nationwide Fairer Share Online Bonds

These joint bonds only require a signature from one account holder.

Please make sure both your email addresses in the 'My details' section of the Internet Bank are up to date.

If you’ve lost your certificate, or it’s been stolen, you can let us know:

• by phone
• in your nearest branch.

We do not provide bond certificates for e-Bonds or Online Bonds.​

Some of our bonds cannot be closed early. These include:

• Fixed Rate Branch Bonds
• Fixed Rate Online Bonds
• Member Exclusive Branch Bonds
• Member Exclusive Online Bonds
• Member Online Bonds
• Nationwide Fairer Share Branch Bonds
• Nationwide Fairer Share Online Bonds

You'll need to wait until your account matures before you can access your money.

You can close some of our bonds before your term ends, but you’ll have to pay an early access charge. These include:

• Fixed Rate Bonds
• Fixed Rate e-Bonds

You can close your Fixed Rate Bond early by visiting us in branch. Just remember to bring proof of identity, as well as any account cards, passbooks and certificates.

You can close your Fixed Rate e-Bond early by:

1. Logging in to the Internet Bank
2. Selecting your Fixed Rate e-Bond account
3. Under the 'View accounts' menu, selecting 'Other account services'
4. Selecting 'Close account'