Online Bonus Triple Access Issue 2

Our Online Bonus Triple Access account may be right for you if you want to manage your account online, save when it suits you, and like the comfort of knowing you can take money out up to three times each calendar year.


  Interest rate Balance Gross* each year AER†
Variable - without bonus £1 - £1,000,000 3.60% 3.60%
Variable - with bonus £1 - £1,000,000 5.00% 5.00%
  • Open online
  • Pay in from £1 to £1,000,000
  • Interest is paid each year on 1 January
  • You can take money out three times every calendar year
  • You can close this account at any time but closure counts as a withdrawal
  • We can stop accepting applications at any time
Summary box
  Summary Box
What is the interest rate? Interest rate without bonus 3.60% Gross*/AER† (Variable) each year

Interest rate with bonus (variable bonus rate of 1.40% included for the first 12 months) 5.00% Gross*/AER† (Variable) each year     

(See the meanings of ‘Gross’ and ‘AER’ at the bottom of the page)

Interest is calculated each day on the money in the account and paid on the 1st January every year.

The interest you receive will be the rate with bonus for the first 12 months. After 12 months the rate will change to the rate without bonus. We will notify you to remind you before this happens.
Can Principality change the interest rate?
  • Yes, variable interest rates can go up or down.
  • If you have £100 or more in the account, we will give notice of any reduction in interest rates at least 14 days before the change takes effect.
  • When the rate changes to the rate without bonus, we will send you a reminder 14 days before this happens, no matter how much money you have in the account.
  • For more information, see the section Changes to interest rates in our Savings Terms and Conditions.
What would the estimated balance be after 12 months based on a £1,000 deposit? Estimated balance after 12 months (interest rate of 5.00% AER, includes variable bonus rate of 1.40% tax-free for 12 months)

Estimated balance after 24 months (only the underlying interest rate of 3.60% AER is paid for months 13 to 24)

This is based on no further money being put in or taken out of the account and no change to the interest rate or bonus rate.
How do I open and manage my account?
  • You must be 16 or over and be a UK resident (see your Online Triple Access account terms).
  • You must open the account online. You can’t have more than one of this issue number of Online Triple Access in your name.
  • You have to link your Online Triple Access account to a current account in your name with another UK bank or building society in order to move money when you need it.
  • You must keep at least £1 (the minimum balance) in the account.
  • If the account reaches £1,000,000 you cannot pay any more money in.
  • If we do not receive the first payment within five business days of the account opening, we will close it.
  • You must manage the account using the online service, Your Account at
Can I withdraw money?
  • Yes, you can make three withdrawals from the account every calendar year.
  • Closing the account counts as a withdrawal.
Additional Information
  • Service charges and costs may apply to the account. These are set out in our Tariff of Charges.
  • In certain circumstances we may refuse an instruction for using an account. These circumstances are set out in our Savings Terms and Conditions.
  • If the total amount of interest you earn is more than your tax-free Personal Savings Allowance, you may have to pay tax directly to HM Revenue & Customs (HMRC). For more information, visit and search Personal Savings Allowance.
  • The interest rates quoted above were correct on 04/07/2024.

Before you apply below, please read the Online Bonus Triple Access Issue 2 Terms & Conditions

As you will be bound by the Account Terms and your information is held in accordance with our privacy policy, you should read, print and save the below documents for your records. If you have any queries relating to them please contact us for further information.

Please also read the following:

Please Note: If you are an existing customer with a Principality online only savings account and want to transfer your existing balance to an Online Bonus Triple Access account, please send us a secure message via Your Account confirming that you have read and agree to the Online Bonus Triple Access Account Terms and Summary, the link to which is above.
You can do this by using the “New Message” option to send a “Savings general enquiry” message. We will then transfer your existing balance without the need to open a new account.”


* Gross interest is the rate of interest before income tax is deducted at the rate set by law.

† AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest were paid once each year on the whole balance, including previous interest payments.