Don't let banks roll your Isa into an 平易な 接近 account 支払う／賃金ing just 1.5%, says SYLVIA MORRIS

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Thousands of savers will be rubbing their 手渡すs this month, as they 得る the 利益／興味 rewards of having locked money away.

Savers 注ぐd billions of 続けざまに猛撃するs into 直す／買収する，八百長をするd-率 取引，協定s this time last year. The most popular accounts ― one-year 直す／買収する，八百長をするs ― are coming to the end of their 称する，呼ぶ／期間／用語.

But make sure you don’t take your 注目する，もくろむ off the ball now, as I 恐れる thousands could find their money gets locked away again or ― perhaps worse ― their returns are wiped out within months.

Between one month and two weeks before the end of the 社債 称する，呼ぶ／期間／用語, your provider should 令状 to you to ask what you want to happen to your money.

If you don’t make your wishes （疑いを）晴らす, it is likely your money could be 捨てるd in a lousy, 平易な-接近 account 支払う／賃金ing いっそう少なく that 1.5 per cent, or your money may be tied up for another year as it is automatically put into a new one-year 社債.?

Rollover 罠（にかける）: Savers 注ぐd billions into 直す／買収する，八百長をするd-率 取引，協定s this time last year. But thousands could find their money gets 捨てるd in a lousy, 平易な-接近 account 支払う／賃金ing いっそう少なく that 1.5%

NatWest says it will reinvest your money in another 社債 if you don’t tell it that you want your money 支援する at least five days before the 成熟 date.

In most 事例／患者s, money saved in 直す／買収する，八百長をするd-率 Isas will be automatically transferred into an 平易な-接近 account at the end of the 称する，呼ぶ／期間／用語.

This might give you breathing space, but be aware you will earn a measly 率 while you decide what to do.

This time last year Santander had a 最高の，を越す-支払う／賃金ing one-year 直す／買収する，八百長をするd-率 Isa at 4.15 per cent, which ran until April 1 or May 1 this year, depending on when you opened it.

You can tell Santander what you want to do with your money up to 28 days before the end date.?

But if you don’t tell the bank what you want, your 基金s may 結局最後にはーなる in its Isa Saver account with a 率 as low as 1.2 per cent.

If you don’t want to tie your money up again, 移転 it to a better 平易な-接近 account. If you do want another 直す／買収する，八百長をするd-率 取引，協定, 移転 your money to a different provider where you might earn 5 per cent.

On the High Street, you can get 4.75?per cent with 物陰／風下d or 4.7 per cent with West Bromwich Building Society.?

With Halifax, if you don’t make your wishes （疑いを）晴らす before the end of a 直す／買収する，八百長をするd 率 称する，呼ぶ／期間／用語, your cash will 結局最後にはーなる in its Isa Saver with 率s as low as 1.45 per cent for up to £10,000. A year ago, it paid 4.1 per cent.

With some providers ― 含むing NS&I, Yorkshire, Coventry and Skipton building societies ― your 直す／買収する，八百長をするd-率 貯金 might be tied up for a その上の 称する，呼ぶ／期間／用語 if you fail to tell them of your wishes.?

You then have only a few weeks to get your money without 告発（する），告訴（する）／料金, which can be as high as three months’ 利益／興味 on a one-year 社債.

A year ago, NS&I paid 4 per cent on its one-year 保証（人）d Growth 社債. Its 現在の 見解／翻訳／版 支払う／賃金s 4.15 per cent.?

At the end of the 称する，呼ぶ／期間／用語 you have 30 days to get out. 行方不明になる that window and you can’t get your money out for another year.

sy.morris@dailymail.co.uk

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