Cyfrif Dim Rhybudd

• Agor mewn cangen neu drwy’r post 
• Cynilo rhwng £1 a £2 filiwn
• Cyfrifir llog ar eich balans yn ddyddiol a chaiff ei dalu yn flynyddol
• Caniateir cau'r cyfrif a chodi arian di-derfyn

• Blwch Crynodeb
• Cyfrifo eich cynilion
• Cymorth a chanllawiau

Blwch Crynodeb

	Blwch Crynodeb
Enw'r cyfrif	Instant Access Account
Beth yw'r gyfradd llog?	0.20% Gross* p.a. / AER† (Variable) Interest is calculated on your daily balance and paid annually on 1 January every year.
A all y Principality newid y gyfradd llog?	Yes, variable account rates could increase or decrease. Customers will be given personal notification of any material reduction in interest rates a minimum of 14 days before the change takes effect. To understand why rates may be reduced please refer to our Savings Terms and Conditions.
Beth fyddai'r balans amcangyfrifedig ar ôl 12 mis yn seiliedig ar adnau o £1,000?	£1,002 (based on the assumption that no further deposits or withdrawals are made during the 12 months).
Sut ydw i’n agor a rheoli fy nghyfrif?	There is no minimum age to open this account. You must be a UK resident for tax purposes to open and operate this account. Open your account in branch, agency or by post. Minimum balance is £1, maximum balance is £2,000,000. The minimum balance must be maintained to operate the account. Manage your account in branch, agency, post or online via secure message (subject to Your Account eligibility criteria, available when you click “Register Now” at www.principality.co.uk/register).
A gaf i godi arian?	Yes, you do not have to give notice to close your account or make a withdrawal.
Gwybodaeth ychwanegol	Service charges and costs may apply to your account. These are outlined in our Tariff of Charges. If the total amount of interest you earn exceeds your Personal Savings Allowance then you may have to pay tax directly to HMRC. For more information visit www.gov.uk and search ‘Personal Savings Allowance’. In certain circumstances we may refuse an instruction to operate an account. These circumstances are outlined in the Savings Terms and Conditions. Rates correct as at 23/08/18.

Cyfrifo eich cynilion

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Savings calculator

Initial deposit (£)

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Amount must be less than 1000000

Monthly amount (£)

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Amount must be less than 1000000

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1. The results displayed were dependent on the information you provided and are for illustrative purposes only and are by no means an indication of being suitable for your individual circumstances.
2. The calculations assume interest is paid gross* of income tax on the entire balance on an annual basis
3. It has been assumed that no withdrawals or additional deposits would be made from the account during the saving duration, and that the interest rate also remains the same during this time (note that interest rates on variable rate savings account are subject to change, and when fixed rate deals end, there is no guarantee that the same rate will be available in the future). 
   

Cymorth a chanllawiau

Guides Read more for top tips on saving and answers to your savings and ISA questions.

Contact us If you would like to speak someone for help give us a quick call. 

Cwestiynau Cyffredin

• Sawl cyfrif ISA allaf i eu cael?

Before you apply below, please read the Instant Access Account 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.

• Instant Access Account Terms and Product Summary Information 
• Savings Terms and Conditions
• Privacy Policy

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

Please also read the following:

• Basic information about the protection of your eligible deposits
• Electronic Verification Guide
• Tariff of Charges
• Your Information

^ Mae di-dreth yn golygu na fydd yn rhaid ichi dalu Treth Incwm y DU na Threth ar Enillion Cyfalaf ar y llog byddwch yn ei ennill. Mae’r system dreth yn dibynnu ar eich amgylchiadau unigol; mae’n bosibl na fydd yn cael ei chynnal yn y dyfodol.

* 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.

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