When claiming your second bonus after four years with a Help to Save account, the way the bonus is calculated is slightly different from the first bonus.
Your bonus after four years is calculated as 50 percent of the difference between the highest balance you saved in the first two years, and the highest balance saved in the last two years.
If your highest balance in the last two years does not increase, you do not earn a final bonus under the scheme.
The Government website explains: “You pay in £25 every calendar month for two years. You do not withdraw any money.