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Tax free childcare

Does anyone know if it's possible to put the maximum amount into the new tax free childcare account to get the governments added 20%, but not actually use the account to pay for childcare?... in effect using it as a savings account.

Eg, put in £8,000, receive £2,000 from gov, then withdraw £10,000 to own bank account and repeat each year?

FYI I don't want to do this although it would be a nice little earner!... I'm due to start paying childcare costs from July 3rd 2017 and i'm just curious as to whether or not,
a) I can withdraw any of my unspent childcare cash with the gov bonus or
b) I can withdraw but lose the bonus or
c) Once its in the account it cant be withdrawn, ie, use on childcare or lose it.

Thanks, Rich

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