3 Year Fixed Rate Bond

Our 3 Year Fixed Rate Bond may be right for you if you have a lump sum to invest and can leave your investment untouched for 3 years.

  • Save online, in branch or by post
  • Save from £500 to £2 million
  • Interest is calculated on your daily balance and paid annually or monthly
  • Additional deposits permitted while the Bond remains on sale
  • No withdrawals allowed before the end of the 3 year term
  • No closure permitted prior to maturity
  • Limited availability
Product details

Account name - 3 Year Fixed Rate Bond Issue 281

  Balans Gros* y fl. AER†
Annual interest £500 - £2,000,000 1.45% 1.45%
Monthly interest £500 - £2,000,000 1.44% 1.45%
Earn a better interest rate by leaving your money for a fixed period

You won't be able to make withdrawals before your Bond matures. No closure permitted prior to maturity.

Interest is calculated daily and can be paid annually or monthly

If you choose to have your interest paid annually, interest will be calculated daily and paid annually on the anniversary of you opening your Bond. You can choose whether to add your interest to your Bond, transfer it to another Principality account or have it transferred into another UK bank or building society account.

If you choose to have your interest paid monthly, interest will be calculated daily and the interest paid one month after the date your Bond is opened and then monthly after that. Your interest can be paid into another Principality account. It can also be transferred into another UK bank or building society account, it is subject to a minimum of £5 being payable. Where less than £5 is due to you, the amount due will be paid at the next interest payment date where the total interest then due is more than £5.


Manage your account online, in branch or by post

You can open and operate this account according to your needs. Our Your Account service allows you to open and manage your account online giving you the flexibility to: 

  • View your account and personal details 
  • View your balance, transactions and interest rates
  • Check your Bond maturity date 
  • Contact us via secure message 24 hours a day, we will respond within office hours, usually within 3 working days
  • Print savings tax certificates 

Alternatively, you can drop into your local branch or contact us and we'd be happy to help.

Once your Bond has matured you'll get instant access to your money

On maturity the balance of your Bond will be transferred to our Instant Access Account or it's nearest equivalent available. Before your Bond matures we will contact you to let you know what other accounts we can offer you.

Gallai Taliadau Gwasanaeth a Thaliadau Cysylltiedig â Chost fod yn berthnasol i'ch cyfrif ac mae'r rhain wedi'u hamlinellu yn ein taflen "Tariff of Charges". Gallem wrthod cyfarwyddyd i weithredu cyfrif dan amgylchiadau penodol. Mae'r amgylchiadau hyn wedi'u hamlinellu ar dudalen 5 o'r Telerau ac Amodau Cynilo.

Summary information

Blwch Crynodeb - Gwybodaeth Allweddol am ein Cyfrif(on)

Account name - 3 Year Fixed Rate Bond Issue 281

  Balans Gros* y fl. AER†
Annual interest £500 - £2,000,000 1.45% 1.45%
Monthly interest £500 - £2,000,000 1.44% 1.45%

Interest rate fixed for 3 years then reverts to our Instant Access Account

Tax status
Interest will be paid gross, which means interest is paid to you without tax being deducted from it. If the total amount of interest you earn exceeds your Personal Savings Allowance then you may have to pay tax directly to HM Revenue and Customs. For more information please refer to our handy guide to the Government’s new changes to tax-free savings or visit www.gov.uk and search ‘Personal Savings Allowance’.

Conditions for bonus payments
Not applicable.

Withdrawal arrangements
No closure or withdrawals permitted prior to Maturity. However, we may allow you to close your Bond during the fixed term at our absolute discretion in exceptional circumstances.

Access
Open and operate in branch, online or by post.

Gallai Taliadau Gwasanaeth a Thaliadau Cysylltiedig â Chost fod yn berthnasol i'ch cyfrif ac mae'r rhain wedi'u hamlinellu yn ein taflen "Tariff of Charges". Gallem wrthod cyfarwyddyd i weithredu cyfrif dan amgylchiadau penodol. Mae'r amgylchiadau hyn wedi'u hamlinellu ar dudalen 5 o'r Telerau ac Amodau Cynilo.

Help & guidance

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Terms & conditions

3 Year Fixed Rate Bond Issue 281 Terms & Conditions

As you will be bound by the Account Terms of the account, you must read them. If you do not understand any of the terms and conditions please contact us for further information.

We recommend that you print and keep a copy of these terms and conditions for your records.

Please also read the following:

  • 6ed cymdeithas adeiladu fwyaf y DU
  • Cymdeithas adeiladu gydfuddiannol, sy’n eiddo i’n 500,000 o aelodau ac yn cael ei rhedeg er eu lles
  • Dros 150 mlynedd o brofiad
  • Gofalu am werth dros £7 biliwn o asedau ein cwsmeriaid

* Gros yw’r gyfradd llog sy’n daladwy yn ôl y contract cyn tynnu treth incwm yn unol â’r gyfradd a ddynodir gan y gyfraith.

† Ystyr AER yw Annual Equivalent Rate (Cyfradd Gyfwerth Flynyddol) ac mae’n dangos faint fyddai’r gyfradd llog pe byddai’r llog yn cael ei dalu a’i adlogi unwaith y flwyddyn.


cynilion

3 Year Fixed Rate Bond Issue 281