Regular Saver

Principality Building Society 1 Year Regular Saver Bond Review

A regular saver from Principality Building Society, letting you save up to £250 a month for 1 year. It ranks 36th of 56 regular savers we track.

Fixed rate · 1 year

4.85%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Monthly limit

£250

Max balance

£3,000

Access

At maturity only

Interest paid

At maturity

How It Stacks Up

Ranks 36th of 56

Regular savers we track

Below average
This account 4.85%
UK CPI (Aug 2026)
3.10%
Pays 1.75% more
Average regular saver
4.96%
Pays 0.11% less
Best regular saver
8.00%
Pays 3.15% less

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

Compare regular savers

A Good Fit For

  • Pro: New and existing savers
  • Pro: People who can save a set amount each month

Worth Weighing Up

  • Con: Your money is locked in for 1 year
  • Con: You can only pay in up to £250 a month
  • Con: You can only save up to £3,000

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Estimated returns with Principality Building Society's Regular Saver

What you could earn with Principality Building Society's 1 Year Regular Saver Bond.

Estimated interest

£50 a month

£15.76

At 4.85% AER

£100 a month

£31.53

At 4.85% AER

£200 a month

£63.05

At 4.85% AER

£250 a month

£78.81

At 4.85% AER

Estimated over one year, if the rate stays the same and interest is left in. Assumes you pay in that amount every month for the full term.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Principality Building Society 1 Year Regular Saver Bond

Jan WatermannCo-Founder, DepositScout

Principality's 1 Year Regular Saver Bond pays 4.85%, which beats August 2026 CPI of 3.1% by 1.75%, so your money does grow in real terms. That said, at 3.15% below the regular saver market leader rate of 8.00%, it sits below the market average, and alternatives from Monmouthshire Building Society, HSBC, and Lloyds Bank all offer 5.00%. The hard limit of £250 a month means your maximum pot after a year is £3,000, and there is no access until maturity, so this suits disciplined savers who can commit to locking money away monthly.

Compare Regular Savers

2 alternatives to Principality Building Society's 1 Year Regular Saver Bond

Same type of account, closest on rate.

Common questions about the 1 Year Regular Saver Bond

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