If we find that a payment’s been made into your account by mistake and it’s fair and reasonable to do so, we may remove the amount of the payment from your account balance as soon as possible after we find out about the error.

What we do depends on when the mistaken payment was made:

Within two months…

We’ll contact you to let you know what’s happening. If the payment wasn’t a mistake, you’ll have 15 days to show us proof of this. During that 15 days, you won’t be able to withdraw the amount of the payment from your account. Unless you prove that the payment wasn’t a mistake, we’ll return the payment to the paying bank.

More than two months before…

We'll let you know about the mistaken payment and ask for your permission to return the payment to the person who made the mistake.

There are a few reasons this may happen.

• Your ISA is fixed and doesn't allow any further payments
  
• You've already reached your ISA allowance limit, or
• You haven’t paid into your ISA for one tax year or more.

If you haven’t paid into your ISA for one tax year or more, it has become inactive and needs to be reactivated before you can add more money to it. To reactivate your ISA, just call us or pop into a branch.