Bond Cynilo Rheolaidd Dylan

Our 3 Year Dylan Regular Saver Bond could be a great way to encourage a child to save. If they want to save on a regular basis and don't want to take their money out for three years, this may be the account for them.

  Cyfraddau llog Gross* each year AER†
Sefydlog 3.20% 3.20%
  • Open in branch, at an agency or by post
  • The maximum age for a child opening this bond is 17 years
  • The account can be opened as a signatory or trust account. For more information click here
  • Pay in up to £150 each month, in one or more payments
  • You don't have to pay money in every month
  • Interest is calculated on the money in the account each day and paid each year on the anniversary of the account being opened
  • No withdrawals allowed before the end of the three-year term
  • Close the bond early if your child wants to
  • Your child will get a free Dylan the Dragon money box
  • We can stop accepting applications at any time
Blwch crynodeb
  Blwch Crynodeb
Beth yw'r gyfradd llog? Fixed interest      3.20% Gross* each year      3.20% AER†

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

Interest is calculated each day on the money in the account and paid each year on the anniversary of the bond opening.
A all y Principality newid y gyfradd llog? No, the rate is fixed for three years until the bond matures (when the account comes to an end).
Beth fyddai'r balans amcangyfrifedig ar ôl 36 mis yn seiliedig ar adnau o £5,400? £5,671.49

This is based on £150 a month being paid into the account for 36 months, making the first payment on the date the account was opened.
Sut ydw i’n agor a rheoli fy nghyfrif?
  • This account is for people under 18 (referred to as ‘the child’ in this summary box).
    - If the child is aged 14 to 17, they can open the account or it can be opened as a trust or signatory account.
    - If the child is under 14, the account must be opened as a trust or signatory account (see the Savings Terms and Conditions).
  • If the account is opened as a trust account, the trustee will be the named account holder.
  • If the account is opened as a signatory account, the child will be the named account holder.
  • The child and the signatory or trustee (if appropriate) must be UK residents (see the Dylan Regular Saver Bond account terms).
  • The child can only have one of this issue number of the Dylan Regular Saver Bond
  • The account can be opened and managed in branch, at an agency or by post.
  • You must keep at least £10 (the minimum balance) in the account.
  • If your bond reaches £5,400, you cannot pay any more money in.
  • You do not have to make payments into the bond every month.
  • The most you can pay in each month is £150, in one or more payments.
  • The bond will mature after three years, on the anniversary of the account opening.
A gaf i godi arian?
  • No, you cannot make any withdrawals from your bond before it matures.
  • You can close the bond before it matures. Any interest you’ve earned will be added to the account balance and paid to you.
  • If the Trustee or Signatory has control of the account they can close the account. From the child’s 14th birthday onwards, if control has passed to the child only the child can close the account.
  • Depending on the child’s age when the bond matures, we will move the money to our Children’s Account or Instant Access Account or the nearest equivalent we offer at the time.
  • We will write to the child or the trustee (if appropriate), before the bond matures, to explain what can be done with the money in the account.
Gwybodaeth ychwanegol
  • Service charges and costs may apply to the your bond. These are set out in our Tariff of Charges.
  • If the total amount of interest earned is more than the tax-free Personal Savings Allowance, tax may have to be paid directly to HM Revenue & Customs (HMRC). For more information, visit and search ‘interest on savings for children’.
  • In certain circumstances we may refuse an instruction for using an account. These circumstances are set out in our Savings Terms and Conditions.
  • The interest rates quoted above were correct on 18/08/2022.

Before you apply, please read the 3 Year Dylan Regular Saver Bond Issue 10 Terms & Conditions

As the child, signatory, or trustee will be bound by the Account Terms of the account and their information is held in accordance with our privacy policy, you should read, print and save the below documents for your records. 

Please also read the following:

^ Tax-free means UK Income Tax and Capital Gains Tax is not deducted from the interest you earn. This depends on your individual circumstances, and may change in future.

* 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.

Cynnyrch a welwyd eisoes

Bond Cynilo Rheolaidd Dylan Issue 10

Putting money into your savings account Once you've opened your savings account, for most accounts you should pay money in within 5 business days. Click here for information on how you can do that.

  • 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 160 mlynedd o brofiad
  • Gofalu am werth dros £10 biliwn o asedau ein cwsmeriaid
  • Gall Aelodau fynd at dudalen Gwobrau Aelodau sy’n cynnwys cystadlaethau, gostyngiadau a mwy.

We are covered by the FSCS

Find out more about what it means for you.