Some fixed interest accounts pay the interest direct into a ,linked account on maturity date - did you have to set one up? They then "roll over" the capital sum into an easy access instant account unless you have told them otherwise. Not sure what AA do but their "parent" company,Birmingham Midshires, wrote to me a few weeks before maturity date recently with a selection of follow on options.

Last year a YBS account matured for me,I had forgotten about the interest going direct to my current acc. and had quite a shock when I looked at my online balance and found that I was several thousands better off (or so I thought for a short while!!)

That is what I expected to happen - but the 1st anniversary is up in 8 days and I have not heard a thing yet !!

It depends on the terms and conditions, but on the presumption that the interest is paid at maturity you do not need to do anything, as they should write to you about a month before the maturity date detailing what the maturity amount will be (including interest) and asking you want to want to do. They should inform you of any follow-on fixed rate accounts that you could take out as well as telling you what the default option will be if you fail to give them instructions in time.

I have a fixed rate (2.80% !!) AA Savings account - open for 11.75 months - Does the interest appear automatically in the account at the end of 12 months, or do I have to do anything ?