Cash ISACompare 1 Year Fixed Rate Cash ISAs

Principality Building Society 1 Year Fixed Rate Cash ISA Review

A competitive one-year cash ISA from Principality Building Society. It ranks 16th of 60 one-year cash ISAs we track.

Fixed rate · 1 year

4.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

At maturity only

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 16th of 60

1-year cash ISAs we track

Above average
This account 4.75%
UK CPI (Aug 2026)
3.10%
Pays 1.65% more
Average 1-year cash ISA
4.43%
Pays 0.32% more
Best 1-year cash ISA
4.97%
Pays 0.22% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 1 year

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Estimated returns with Principality Building Society's Cash ISA

What you could earn with Principality Building Society's 1 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£47.50

At 4.75% AER

£5,000 saved

£238

At 4.75% AER

£10,000 saved

£475

At 4.75% AER

£20,000 saved

£950

At 4.75% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Principality Building Society 1 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Principality Building Society's 1 Year Fixed Rate Cash ISA pays 4.75%, which sits above the cash ISA market average though 0.50% behind the category leader at 5.25%. The rate does beat August 2026 CPI of 3.1% by 1.65%, so your money grows in real terms, which matters for an ISA wrapper. The main catch is that access is locked until maturity, so only commit funds you can leave untouched for the full year, and the maximum deposit is £20,000. If you want to shop around at the same term, Virgin Money and Charter Savings Bank both offer 4.77% on comparable one-year fixed cash ISAs.

Compare Cash ISAs

2 alternatives to Principality Building Society's 1 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Cash ISA

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