Online ISA

To log in to your Online ISA you will need your username and password that you chose when opening your account. You will be asked to confirm some information from your memorable questions.

You can reset your username and password on the login page. If you need help, please call 0333 2205069*.

*Lines are open 9am-7pm weekdays and 9am-1pm on Saturdays. Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

If you can’t remember your username, please select the ‘I have forgotten my username’ option on the log in page. If you can’t remember your password, please select the “I have forgotten my password” option.

If you need any help, please call us on 0333 2205069*.

*Lines are open 9am-7pm weekdays and 9am-1pm on Saturdays. Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

You can change your email address, home address or phone number by logging in to your Online ISA and then visiting the ‘Personal Details’ page.

For a change of name or date of birth you will need to provide us with certified proof. Please see the How do I certify my documents? FAQ for more information on what we’ll need to see.

Once certified, please send your documents to us at:

Bank of Ireland UK Savings, PO Box 5417, Brighton BN50 8HP

To change your Nominated Account, log in to your Online ISA and send the new details by secure message.

Please send us a secure message with your new sort code, account number and account name. Any time we receive new Nominated Account details these will be verified electronically. More details can be found in our Privacy Notice.

Please be aware that if we cannot verify your Nominated Account electronically, we’ll ask you to provide further supporting information (e.g. a current bank statement) before we can update your details and before we can process any withdrawal or account closure.

We’ll always send a confirmation message when your account details have been updated.

We can only accept photocopies of documents where each page has been certified. This means that the photocopy itself needs to be certified in original ink.

Any documents that are not correctly certified will be returned. Please do not send original documents as we are unable to guarantee their safe return.

Please send the required information to:

Bank of Ireland UK Savings

PO Box 5417

Brighton

BN50 8HP

You nor a relative can certify your own documents. However, the following people can:

• Accountant
• Barrister or Solicitor
• Bank or Building Society Official
• Commissioner of Oaths/Notary Public
• Justice of the Peace
• FCA registered broker/introducer
• Post Office Official (UK only)
• Attorney

The certifier must:

• Write on each photocopy, ‘I certify this is a true copy’
• State their profession
• Print their name, address, and phone number (staff number/authorised signatory if required)
• Sign and date the photocopy

Acceptable proof of identity and address:

• Current electricity bill (dated within the last three months)
• Current gas bill (dated within the last three months)
• Current landline telephone bill (dated within the last three months)
• Current water/sewerage bill (dated within the last three months)
• Current full old-style UK driving licence (non-photo card type driving licence)⁺
• Current UK/EU photo card driving licence⁺
• Correspondence from the DWP/benefits agency (dated within the last six months)
• Bank/building society/mortgage/credit union or credit card statement (dated within the last three months)⁺⁺
• Local authority correspondence valid for the current year, eg rates/council tax (dated within the last 12 months)
• HM Revenue & Customs/Revenue Commissioners correspondence, eg tax coding notice (dated within the last 3 months). Note P60 and P45 are not acceptable.

⁺ These items may be used to evidence identity or address, but not both.

⁺⁺ This item may be used to evidence address and nominated bank accounts.

We will notify you 14 days prior to the end of your fixed term.

Any funds plus interest earned will move into your Holding Account at the end of your fixed term.

You can then choose to leave the money in your Holding Account, move your funds to one or multiple Easy Access or Fixed Rates within your ISA, withdraw your funds or transfer them to another ISA.

Now’s a good time to review your savings accounts, there may be better rates available to you. You should take the time to think about whether a fixed or variable rate product is right for you.

If your Easy Access includes a fixed bonus, it will be paid as detailed in the summary box provided to you. We’ll let you know 14-days before your fixed bonus comes to an end. Once the fixed bonus has ended, your Easy Access will only earn the variable rate of interest.

Now’s a good time to review your savings accounts, there may be better rates available to you. You should take the time to think about whether a fixed or variable rate product is right for you.

You can add money to your Online ISA by debit card or cheque (if allowed).

The minimum deposit amount can be found in the Summary Box.

You can see your remaining ISA allowance on the ISA summary screen when you log in.

Easy Access

If you have an Easy Access product you can withdraw funds at any time by accessing your account online. Select the Easy Access product you wish to make the withdrawal from on your ‘ISA Summary’ screen or the “Withdrawals and closures” area of your account.

This ISA does not have flexible features. This means once you withdraw money it will lose the tax advantages of ISAs and the money cannot be replaced within this ISA without affecting your annual ISA allowance.

There are no limits on the number of withdrawals you can make from your Easy Access product or the Holding Account.

Fixed Rate

Withdrawals from a Fixed Rate product are not permitted. If you need access to your money during the fixed term, you will need to close it. If you do this you may have to pay a Breakage Charge. If the interest you have earned does not cover this, you will get back less than you put in. Please note, the Breakage Charge will not be applied if you close your Fixed Rate product within 14 days of opening.

Yes. You can transfer your Online ISA in full to another ISA at any time. Partial transfers are not allowed. If you are transferring to another ISA provider, you will need to contact your chosen provider to arrange the transfer. If you transfer your ISA while you have a Fixed Rate product still within its fixed term you may have to pay a Breakage Charge. Details of this can be found in the Summary Box.

If you already have an ISA with another provider, you can transfer your savings into your Online ISA. Transferring funds from a previous tax year’s ISA will not affect your ISA limit for this tax year.

You can choose whether to use the transfer to pay into an existing Easy Access, open a new Fixed Rate or put into the Holding Account. Once the funds are in the Holding Account you can split it up across Easy Access and Fixed Rate products.

Before you decide to transfer your existing ISA to us you should check if your current provider will charge a fee.

No. You can move your funds from your Bank of Ireland UK savings account into your current account and then use a debit card or cheque to pay into your Online ISA.

No, currently we’re not able to accept transfers from innovative finance ISAs or Lifetime ISAs.

You can’t cancel an individual Easy Access or Fixed Rate product that you have opened. You can only cancel the Online ISA itself within the first 14-days of account opening

You can close an Easy Access or Fixed Rate product within your ISA at any time by logging into your account. When closing an Easy Access or Fixed Rate product there are some considerations to think about:

• money paid out of your ISA and to your Nominated Account will lose any tax benefits and cannot be replaced within your ISA without it affecting your ISA allowance.
• money paid into your holding account within your ISA will keep its tax benefits.

When closing a Fixed Rate product there may be a breakage charge – please refer to the summary box for more information. If you close a Fixed Rate product within first 14 days of opening, no charge will be applied.

To close your Online ISA please select ‘Close ISA’ from the ‘Withdrawals and Closures’ menu bar. Once closed your money will no longer benefit from the tax advantages of ISAs.

If your ISA contains a Fixed Rate product you may have to pay a breakage charge. Details of this can be found in the Summary Box. This will also be confirmed before you complete your closure request.

If you have not yet verified your Nominated Account details you will need to provide proof of your Nominated Account before we can proceed with your Online ISA closure. This means we’ll need you to send us a photocopy of one of the following from your bank, dated within the last three months, showing your name, the bank sort code and your account number:

• A statement
• An online statement
• A letter from your bank

Finally, please write your Online ISA number on the back and post it to us at:

Bank of Ireland UK Savings

PO Box 5417

Brighton

BN50 8HP