When a bonus rate expires, the account will usually move to its underlying or standard variable rate, which may be lower. Check the account’s terms for the expiry date, any conditions for receiving the bonus, and whether the bank will notify you. Compare the post-bonus rate and access rules with other suitable savings options, remembering that rates and terms can change. If you move your money, check for notice periods, withdrawal restrictions and any tax treatment that may apply; Revenue and Citizens Information provide further guidance.