Manage your account

You work hard for your money—so it’s only right that your money works hard for you.


That’s why we’ve put together some straightforward guidelines to help you make the most of your savings—whether you have a Notice Account, Instant Access, or Fixed Term Deposit.

We’ll help you understand, how to add or withdraw funds, what to expect when your savings term ends and how to get the most from your Instant Access Account.

Fixed Term Deposit Account

Notice Accounts

Instant Access Account

Managing Your Fixed Term Deposit

Understanding Your Fixed Term Deposit

Understanding Your Fixed Term Deposit

When you open a Fixed Term Deposit, your funds are locked in until the end of the agreed term—known as the maturity date. Withdrawals aren’t permitted during this period.

You can check your account anytime by logging in to Business Internet Banking or calling us on 0345 604 5539 (Monday to Friday, 8am–5pm, excluding bank holidays).

What Happens at Maturity?

What Happens at Maturity?

As your term nears its end, we’ll be in touch to explain your options. Unless you tell us otherwise, we’ll automatically transfer your deposit and any interest to your linked account.

Interest Payments if the fixed terms deposit is longer than 12 months

Interest Payments if the fixed terms deposit is longer than 12 months

  • For terms over 12 months, interest is paid annually to your linked account.
  • The remaining interest and your original deposit are paid at maturity.

Your Options at Maturity

Reinvest in a new Fixed Term Deposit

Reinvest in a new Fixed Term Deposit

Continue growing your savings by reinvesting your deposit and interest—or choose a different amount to suit your needs.

Switch to a more flexible account

Switch to a more flexible account

Prefer easier access? Consider a Notice or Instant Access Account.

Do nothing

Do nothing

If we don’t hear from you, we’ll return your deposit and interest to your linked account.

Why Choose Another Fixed Term Deposit?

Fixed returns

Know exactly what you’ll earn, regardless of market changes.

Flexible terms

Choose a duration that fits your business goals.

How to Provide Maturity Instructions

Online

Log in to Business Internet Banking and select ‘Update maturity instruction’ on your Fixed Term Deposit. 

Log in and update

By phone

If you want to give your maturity instruction by phone, please call 0345 604 5539 (Monday to Friday, 8am–5pm).

Call us on 0345 604 5539

Managing Your Notice Account

How can I check my balance?

How can I check my balance?

  • 32-Day Notice Account – You can check your balance anytime by logging in to Online for Business or using the Business Banking Mobile App.
  • 95-Day Notice Account – You can check your balance by calling us on 0345 604 5539. Lines are open Monday to Friday, 8am to 5pm (excluding bank holidays).

When can I add money?

When can I add money?

You can add funds to your 32-Day Notice Account online.  Instructions for adding money to both 32-Day and 95-Day Notice Accounts are available further down this page.

When will I receive my money after giving notice?

When will I receive my money after giving notice?

Once you’ve told us you need access to your funds, we’ll transfer the amount into a Fixed Term Deposit Account for the duration of your notice period—either 32 days or 95 days, depending on your account.

Your money will continue to earn interest during this time. After the notice period ends, we’ll move the funds to your chosen account.

What happens to the interest rate and earned interest when I give notice?

What happens to the interest rate and earned interest when I give notice?

The interest rate is fixed during the notice period. At the end of the notice period, we’ll pay the interest your money has earned directly into your chosen account.

Adding Funds

32-Day Account

Log in to Business Internet Banking and select ‘Add funds’. 

Add funds

95-Day Account

To add funds, call us on 0345 604 5539 (Monday to Friday, 8am–5pm).

Call us on 0345 604 5539

Withdrawing Funds

32-Day Account

  • Log in to Business Internet Banking, go to your account and choose ‘Withdraw funds.’
  • You’ll need to give us 32 days’ notice before you can take out any money.
  • Minimum withdrawal is £10,000, and you must maintain at least £10,000 in the account.
Withdraw funds

95-Day Account

  • To withdraw funds, call us on 0345 604 5539 (Monday to Friday, 8am–5pm).
  • You’ll need to give us 95 days’ notice before you can take out any money.
  • Minimum withdrawal is £10,000, and you must maintain at least £10,000 in the account.
Call us on 0345 604 5539

Managing Your Instant Access Account

Be ready for the unexpected

Be ready for the unexpected

Keep a portion of your savings for emergencies.

Put surplus cash to work

Put surplus cash to work

Earn interest while keeping funds accessible.

Set short-term goals

Set short-term goals

Save for upcoming expenses like equipment or marketing.

Organise with savings pots

Organise with savings pots

Allocate funds for specific projects or goals.

Maintain a buffer

Maintain a buffer

Protect against seasonal dips or irregular income.

Make saving simple

Make saving simple

Set up a standing order and save regularly without the effort.

How to Add or Withdraw Funds

Online

Log in to Business Internet Banking, go to your Instant Access Account, and select ‘Payments and transfers’.

Add or withdraw funds

Mobile App

Log in, go to your account, and choose ‘payments’ or ‘payments and transfers’.

Download the app