Thank you for that Fungus, to their credit they told me that should I wish to close the fixed Rate Savings account before its maturity date I will not be liable for any early breakage fees. I will also continue under the current Terms and Conditions until the deposit matures or I decide to close the account early. If you feel there won't be any issues/problems in dealing with BOSI I think I will leave my deposit as it is. it's a pity Halifax are closing their Retail and Intermediary banking in Ireland, the staff were excellent and I found them a pleasure to deal with.