Cash ISA

Principality Building Society Branch 5 Access Bonus Cash ISA Review

A competitive instant access cash ISA from Principality Building Society. It ranks 57th of 132 instant access cash ISAs we track.

Variable rate

3.35%AER

Then 2.30% after 12 months

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

5 withdrawals/year

Interest paid

Annually

Transfers in

Accepted

The Rate You'll Get

First 12 months

Boosted
3.35%AER

Includes a 1.05% boost for 12 months

Standard rate (after 12 months)

2.30%AER

How It Stacks Up

Ranks 57th of 132

Instant access cash ISAs we track

Above average
This account 3.35%
UK CPI (Aug 2026)
3.10%
Pays 0.25% more
Average instant access cash ISA
2.93%
Pays 0.42% more
Best instant access cash ISA
4.87%
Pays 1.52% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.80%

AER

  • Pays 1.45% more than this Principality Building Society account
  • Includes a 1.20% bonus for 12 months, then 3.60%
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A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Rate drops to 2.30% after 12 months
  • Con: The rate is variable, so it can go down

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Estimated returns with Principality Building Society's Cash ISA

What you could earn with Principality Building Society's Branch 5 Access Bonus Cash ISA.

Estimated interest

£1,000 saved

£33.50

At 3.35% AER

£5,000 saved

£168

At 3.35% AER

£10,000 saved

£335

At 3.35% AER

£20,000 saved

£670

At 3.35% 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 Branch 5 Access Bonus Cash ISA

Jan WatermannCo-Founder, DepositScout

This account suits someone who wants ISA flexibility but can live with a cap of five withdrawals a year and is happy to visit a branch. The headline rate of 3.35% includes a 1.05% bonus that lasts 12 months, after which it drops to a base rate of 2.30%, so diarising a switch is essential. At 3.35% it sits below the cash ISA market average and 1.90% behind the category leader at 5.25%, though it does edge 0.25% above CPI inflation of 3.1%. The £20,000 maximum balance is simply the annual ISA allowance, so there is no unusual cap to worry about.

Compare Cash ISAs

2 alternatives to Principality Building Society's Branch 5 Access Bonus Cash ISA

Same type of account, closest on rate.

Common questions about the Branch 5 Access Bonus Cash ISA

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