Cash ISA

Principality Building Society Online Easy Access Cash ISA Review

An instant access cash ISA from Principality Building Society. It ranks 93rd of 132 instant access cash ISAs 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

£20,000

Access

Instant

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 93rd of 132

Instant access cash ISAs we track

Well below average
This account 2.25%
UK CPI (Aug 2026)
3.10%
Pays 0.85% less
Average instant access cash ISA
2.93%
Pays 0.68% less
Best instant access cash ISA
4.87%
Pays 2.62% 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 2.55% more than this Principality Building Society account
  • Includes a 1.20% bonus for 12 months, then 3.60%
Compare Cash ISAs

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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 Cash ISA

What you could earn with Principality Building Society's Online Easy Access Cash ISA.

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

£20,000 saved

£450

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.

Our Expert Opinion on Principality Building Society Online Easy Access Cash ISA

Jan WatermannCo-Founder, DepositScout

Principality's Online Easy Access Cash ISA pays 2.25%, which is below the market average for cash ISAs and sits 3.00% behind the current category leader at 5.25%, so this is not a rate I would choose on performance alone. It also falls 0.85% short of August 2026 CPI inflation at 3.1%, meaning your money is losing real purchasing power. The cap of £20,000 aligns with the annual ISA allowance, and instant access is genuinely useful, but Monzo's Instant Access Cash ISA at 2.75% offers the same flexibility with a better return.

Compare Cash ISAs

2 alternatives to Principality Building Society's Online Easy Access Cash ISA

Same type of account, closest on rate.

Common questions about the Online Easy Access Cash ISA

D

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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