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NS&I Guaranteed Growth Bonds
Comments
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ToastLady said:I have 3 too, over different dates this month. I'll be taking all 3 out and have opened a 1 yr FS at 4.5% with Vanquis, still to be funded, but have 30 days.
in the maturity options, if you choose to Cash In, it would generate a security phone call from them...We need to make a security call to you. Please select the number we should contact you on.If our first call is unsuccessful, we'll try twice more.
If we can't reach you after three attempts, your online and phone access will become suspended. If this happens, don't worry, we'll explain what to do next.
When you click Continue, we'll call you straight away.but as you can only do one bond maturity at a time, that's going to be upto 4 separate calls from them.
I was advised by one of their agents that it would be simpler to call or write to them - I thought opening a Direct Saver might be a way around, but you can only renew to another bond or cash-in (or a mixture of the two)... a phone call next week it is then.1 -
janusdesign said:I thought opening a Direct Saver might be a way around, but you can only renew to another bond or cash-in (or a mixture of the two)... a phone call next week it is then.0
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ColdIron said:janusdesign said:I thought opening a Direct Saver might be a way around, but you can only renew to another bond or cash-in (or a mixture of the two)... a phone call next week it is then.interestingly, I opened a Direct Saver today but never thought about changing the nominated account on the bonds to it - thanks for the info.does this bypass the need for the security call ? if I subsequently made a large withdrawal (e.g £20k) from the Direct Saver to its nominated account, does that generate a call or would it go through without issue ?0
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I've made quite a few withdrawals from it in the past (going back to 2012) and I can't remember ever needing to do that but can't be certain. I definitely didn't have to do it to set the cash in maturity instruction a week or so ago for one of my GGBsI wouldn't beat myself up about receiving a phone call.1
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My NS&I Direct Saver account is showing as my nominated account for my three GGBs which are due to mature early next month. I'm actually going to be outside Europe when they mature and so does that mean I won't need to get a security phone call? Will be replacing my UK sim card with a temporary one while I'm gone.
I can't see anything that suggests they are set to renew into new GGBs and so I assume I will be able to choose to transfer the funds to my Direct Saver account by logging in a week or two before maturity?
Thanks0 -
Nova1307 said:I can't see anything that suggests they are set to renew into new GGBs and so I assume I will be able to choose to transfer the funds to my Direct Saver account by logging in a week or two before maturity?0
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ColdIron said:Nova1307 said:I can't see anything that suggests they are set to renew into new GGBs and so I assume I will be able to choose to transfer the funds to my Direct Saver account by logging in a week or two before maturity?
OK thanks. So as long as I log in 30 days before maturity and select the option to transfer to my nominated account I won't receive any calls?
Actually, I just remembered that I sometimes receive security codes via SMS to log in and so I might need to stick my UK sim card back in anyway.0 -
Nova1307 said:ColdIron said:Nova1307 said:I can't see anything that suggests they are set to renew into new GGBs and so I assume I will be able to choose to transfer the funds to my Direct Saver account by logging in a week or two before maturity?
OK thanks. So as long as I log in 30 days before maturity and select the option to transfer to my nominated account I won't receive any calls?1 -
Thanks - the 4.18% is annoyingly light compared to the 4.5% that is available elsewhere. If they were offering 4.38% I'd just grab it and let it renew.0
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I just opted to cash in my bond when it matures next month and send to my exiting nominated external account. There was no phone call or 2FA.I’m a Forum Ambassador and I support the Forum Team on the Credit Cards, Savings & investments, and Budgeting & Bank Accounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0
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