Easy Access

Principality Building Society Branch Instant Access Review

An easy access account from Principality Building Society. It ranks 124th of 194 easy access accounts we track.

Variable rate

2.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Instant

Interest paid

Annually

How It Stacks Up

Ranks 124th of 194

Easy access accounts we track

Well below average
This account 2.25%
UK CPI (Aug 2026)
3.10%
Pays 0.85% less
Average easy access
2.86%
Pays 0.61% less
Best easy access
5.50%
Pays 3.25% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.30% more than this Principality Building Society account
  • Instant access, open with £10
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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down

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Estimated returns with Principality Building Society's Easy Access

What you could earn with Principality Building Society's Branch Instant Access.

Estimated interest

£1,000 saved

£22.50

At 2.25% AER

£5,000 saved

£112

At 2.25% AER

£10,000 saved

£225

At 2.25% AER

£50,000 saved

£1,125

At 2.25% 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.

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

Our Expert Opinion on Principality Building Society Branch Instant Access

Jonny PeaseCo-Founder, DepositScout

Principality's Branch Instant Access pays 2.25%, which is below the easy access market average and 2.75% behind the category leader at 5.00%, so this is not a rate I would recommend for anyone prioritising returns. At 0.85% below CPI of 3.1% (Aug 2026), your money is losing real value in this account. The branch-only access will suit someone who prefers face-to-face banking and already uses Principality, but if you are comfortable banking online, Monzo's Instant Access Savings pays 2.75% or their Select Access Savings pays 3.15%.

Compare Easy Access Accounts

2 alternatives to Principality Building Society's Branch Instant Access

Same type of account, closest on rate.

Common questions about the Branch Instant Access

D

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Easy Access rate just dropped

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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