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Your matured ISA savings will continue to be tax free as long as you keep them in an ISA 

This can be either one or more of the new fixed rate ISAs we offer you on maturity or another ISA you may transfer the funds into.

If you withdraw some or all of your maturing savings to an account which isn’t an ISA, the money you withdraw will lose its tax-free status.

The interest earned on your maturing ISA doesn’t count towards your current ISA allowance.

If you do nothing, we’ll automatically re-invest your savings for you

We'll re-invest all your maturing ISA savings into another ISA (Option A on your Maturity Instructions Form).

If you want to do anything other than re-invest your entire balance into Option A, including adding additional savings if this is allowed, you need to fill in and return the relevant forms enclosed within your maturity pack. Further details are in the letter we’ll send you.

We've made a change to your specific terms

On 15 April we changed a clause in these fixed rate ISA terms which is part of how we explain what happens at the end of the fixed term. It previously said that the term of your re-investment ISA will be no longer than the term of your maturing product. It now says the new term will be no more than six months longer than the current term, at the most - it may well be the same or shorter.

The updated clause in these Specific Terms for fixed rate ISAs now reads:

The duration of the re-investment ISA will either be shorter, the same or no more than six months longer than the duration of this account. The withdrawal rights and notice periods that apply to the re-investment ISA, where applicable, will be no less favourable than the equivalent conditions of this account.

Please review the important information we send you to ensure the re-investment option remains right for you.

If you would like a copy of the revised Specific Terms for these accounts, please phone our Customer Service Centre for free, or pop into any branch.

You might be able to add current and/or previous years' ISA savings

This depends on what we offer you at maturity. When we send your re-investment options, we will let you know if your re-investment fixed rate ISA(s) allow top-ups.

You might be able to pay in up to your current tax year’s ISA allowance into one new ISA and/or transfer in previous years’ ISA savings into one or a combination of the ISAs we offer to you. If you pay in current year’s ISA savings, the amount you can pay in depends on any money you’ve already paid into other types of ISA (e.g. stocks and shares) in the same tax year. Remember, you can only pay current year's ISA savings into one cash ISA in each tax year.

If you’re transferring in current year’s ISA savings from another ISA, this must be done in full. If you’re transferring in previous years’ ISA savings from another ISA, this can be done in full or in part.

If you’re paying in some or all of your current tax year’s ISA allowance into a re-investment ISA, you'll need to complete the "Re-Register Your ISA To Top Up For The Tax Year 2021/2022" form enclosed within your maturity pack to re-register your account, before you deposit any funds. Alternatively, you can re-register your account by phone or at any branch following maturity.

You can transfer savings from your fixed rate ISA to a different ISA 

Depending on the terms of the new ISA you want to transfer to, you can transfer some or all of your funds to a different ISA (cash, stocks and shares, lifetime, or innovative finance) with us or another provider. Currently, we only offer cash ISAs.

To make sure your savings don’t lose their tax-free status, you’ll need to contact the new provider to ask for an ‘ISA transfer’. They’ll arrange the transfer for you. If we receive transfer instructions from your new provider within 21 days of maturity, any usual charges to withdraw from or close the ISA won't apply.

After this time, you may need to provide notice (see the Specific Terms for your new fixed rate ISA to see if this applies) or pay a charge to transfer to another ISA. Depending on the Specific Terms of your new fixed rate ISA, you might only be able to close it in full after the 21 days following maturity. 

You can withdraw from your fixed rate ISA, or transfer the money to a non-ISA

You can withdraw your ISA savings, or transfer them to an account which isn’t an ISA with the Coventry or another UK bank/building society. However, if you do this, the money you withdraw loses its tax-free status.

If you want to withdraw or transfer any money after maturity, any charges to withdraw from or close the ISA won’t apply until after the 21 days following maturity.

After this time, you may need to provide notice (see the Specific Terms for your new fixed rate ISA to see if this applies) or pay a charge to withdraw money or transfer it to a non-ISA account. Depending on the Specific Terms of your new fixed rate ISA, you might only be able to close it in full.

We’ll write to you before your re-investment ISA matures

We’ll write to you at least 14 calendar days before your re-investment ISA(s) mature with details of your re-investment options.

At maturity, unless you’ve instructed us otherwise, your savings in the re-investment ISA will be automatically re-invested into another ISA. You’ll have the option to withdraw some or all of your savings without charge in the 21 calendar days after the maturity date.

Read more about the other ISAs we’re currently offering: Cash ISAs

If you have any other questions about ISAs, call us on 0800 121 8899. Alternatively, if you use Online Services, you can log in and send us a secure message.