Income tax on 5 year fixed saving

I have searched the internet and forums but have not found an answer to this question. My daughter invested a sum of money in a 5 year fixed interest account that has just matured with several thousand pounds of interest with tax paid at source. The original AER was quoted at 5% per year, but of course the interest is only paid on maturity. It so happens that during some of those 5 years my daughter did not pay income tax.

So my question is can she reclaim the tax paid on the interest as if it was paid year by year, or does HMRC view it as the interest all paid in the final year. It is probably the latter or I would have found references to it.



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