Your 2022 ShareSave has matured – it’s time to decide
Now the plan has ended, you have three choices
Explore your choices Use our calculator
Your plan has now ended, and it’s time to choose what happens next.
Thank you for taking part in ShareSave. You have six months to decide what to do with your savings.
Your three choices:
1. Buy shares at the option price and keep them
2. Buy shares at the option price and sell some or all of them
3. Take back all your ShareSave contributions as cash
Remember, share prices can go down as well as up, so values will move over time.
Use our calculator to see what this might mean for you and your savings.
Use our calculator
Explore your choices
Your option to buy shares lasts for six months, so you’ll need to let us know your decision by 4:30pm (UK time) on 18 June 2026 if you want to buy shares. After that date, you’ll still be able to have your ShareSave savings returned to you as cash.
If you’ve missed or delayed any of your payments this date will be later. You can find out more about this by logging into your EquatePlus account, and clicking on the ShareSave plan tile on the homepage.
1. Buy shares at the option price and keep them
Use your savings to buy shares at the option price.
If the current share price is higher than the option price, this could be a good choice. You’ll buy shares at a lower price and keep them, you’ll become a shareholder and see your investment rise and fall with the market.
Your shares will appear in your EquatePlus account.
Tip: Use our calculator to see what your shares could be worth.
Read more: Should I become a shareholder when ShareSave ends?
2. Buy shares at the option price and sell some or all of them
Use your savings to buy shares at the option price. If the current share price is higher than the option price, and you sell some or all of them now, you’ll usually make a profit.
You’ll pay a small dealing charge of 0.5% (minimum £13.50) and a WIRE fee of £10.00. The money will usually reach your bank account within two working days (up to eight at busy times).
You can also transfer your shares into your EquatePlus account, keep some, and sell the rest later. If you’re keeping some shares, remember you’ll see the value of your investment rise and fall in future.
Tip: Make sure your bank details are up to date in EquatePlus.
Read more: Should I become a shareholder when ShareSave ends?
3. Take back all your ShareSave contributions as cash
You can choose to take back all your ShareSave contributions as cash instead of buying shares.
If the share price is lower than the option price, this is usually the best option. If the share price is higher, you might want to buy and sell shares instead (see option 2 above).
Remember, you have six months to decide, so you can wait to see how the share price moves before making your choice.
You can use our calculator to get an idea of what your savings might be worth if you choose to buy the shares and sell them.
How many shares can you buy?
When you joined ShareSave in 2022, we told you the maximum number of shares you can buy when you finish saving, based on the option price. But the actual number of shares you’ll be able to buy might be different, because your savings are in złoty and the option price is fixed in pounds.
If the złoty has strengthened against the pound, you’ll be able to buy the full number of shares that we told you in 2022. If the złoty has weakened against the pound, you will not be able to buy the full number of shares confirmed at grant. The remaining number of shares will be shown as a ‘Forfeiture’ transaction on your EquatePlus account.
Need help deciding?
Remember, there are plenty of tools on offer to help you make your decision:
- A handy ShareSave maturity calculator to see what your savings could be worth
- FAQs and step-by-step guides on shares and tax
Making your choice
- If you’re on the NatWest Group network:
Go to EquatePlus to get started. - If you’re off the network:
Visit www.equateplus.com and login using your User ID.
Then complete the ShareSave Maturity Election task.
You’ll need to act by 4:30pm (UK time) on 18 June 2026, otherwise you’ll lose the chance to buy shares at the option price.
You have six months, but it’s a good idea to make your choice early.
If you need pre-approval to sell shares, please make sure this is in place before submitting any sale instructions. (Ask your line manager if you’re unsure.)
Have any questions?
Use the HelpChat function on EquatePlus.
Check our FAQs for quick answers.
Visit our FAQs
We’re giving you this information to help you make your choice, but it’s not advice or a recommendation. If you’re unsure what to do, please speak to a financial adviser.