Cash ISACompare 5 Year Fixed Rate Cash ISAs

Principality Building Society 5 Year Fixed Rate Cash ISA Review

A five-year cash ISA from Principality Building Society. It ranks 23rd of 32 five-year cash ISAs we track.

Fixed rate · 5 years

4.65%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 23rd of 32

5-year cash ISAs we track

Just below average
This account 4.65%
UK CPI (Aug 2026)
3.10%
Pays 1.55% more
Average 5-year cash ISA
4.72%
Pays 0.07% less
Best 5-year cash ISA
5.25%
Pays 0.60% 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 5 years

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Estimated returns with Principality Building Society's Cash ISA

What you could earn with Principality Building Society's 5 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£255

At 4.65% AER

£5,000 saved

£1,276

At 4.65% AER

£10,000 saved

£2,552

At 4.65% AER

£20,000 saved

£5,103

At 4.65% AER

Estimated over the 60-month term, 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 5 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Principality's five-year fixed cash ISA pays 4.65%, which sits above the cash ISA market average but 0.60% behind the category leader at 5.25%. It beats August 2026 CPI of 3.1% by 1.55 percentage points, so your money grows in real terms. The hard catch is that there is no access until maturity, so only commit money you genuinely will not need for five years. Deposits are capped at £20,000, and Furness Building Society's five-year fixed cash ISA at 4.91% is worth a look if you want a better rate for the same term.

Compare Cash ISAs

2 alternatives to Principality Building Society's 5 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate Cash ISA

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