Bond Cyfradd Sefydlog 1 Mlynedd

Our 1 Year Fixed Rate Bond may be right for you if you have a lump sum to invest and can leave your investment untouched for 1 year.

  Balans Gros* y fl. AER†
Llog blynyddol £500 - £2,000,000 1.46% 1.46%
Llog misol £500 - £2,000,000 1.45% 1.46%
  • Apply online, in branch or agency
  • 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 1 year term
  • No closure permitted prior to maturity
  • Limited availability
Summary Box
  Summary Box
Account name 1 Year Fixed Rate Bond Issue 325
What is the interest rate?
Gross* p.a.
Fixed annual interest
Fixed monthly interest

Interest is calculated on your daily balance and paid annually on maturity or monthly, one month after the date on which your bond is opened, and then monthly after that, depending on what you choose.
Can Principality change the interest rate? No, the rate on this bond is fixed for 1 year until maturity.
What would the estimated balance be after 12 months based on a £1,000 deposit? £1,014.60 (based on the assumption that you chose to have interest paid on maturity and added to your bond and that no further deposits were made).
How do I open and manage my account?
  • 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 online. Existing customers who wish to transfer funds from their maturing Principality Fixed Term Bond to open this Account can do so in branch, agency, online or by post.
  • Minimum balance is £500, maximum balance is £2,000,000.
  • You have 5 business days from the account opening date in which to make your initial deposit. If you have not made your initial deposit in this time your account will be closed.
  • You can keep making deposits while the bond remains on sale.
  • The bond will mature after one year on the anniversary of opening.
  • Manage your bond in branch, agency, online or by post.
Can I withdraw money?
  • No, closure or withdrawals are not permitted prior to maturity.
  • We may allow you to close your bond during the fixed term at our absolute discretion in exceptional circumstances.
  • We will write to you before your bond matures to let you know what you can do with your balance.
  • If we don't receive any instructions from you before your bond matures, your balance will be transferred to our Instant Access Account or its nearest equivalent.
Additional information
  • 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 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 18/09/18.
Calculate your savings

Savings calculator

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Amount must be less than 2000000

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Amount must be less than 2000000

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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). 

Before you apply below, please read the 1 Year Fixed Rate Bond Issue 325 Terms & Conditions

As you will be bound by the account terms and your information 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:

^ Tax-free means the interest you earn is exempt from UK Income Tax and Capital Gains Tax. Tax treatment depends on your individual circumstances and may not be maintained in future.

* 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.


Bond Cyfradd Sefydlog 1 Flwyddyn Rhif 325

ISA Provider of the Year 2018

  • 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 £9 biliwn o asedau ein cwsmeriaid
  • Gall Aelodau fynd at dudalen Gworau Aelodau sy’n cynnwys cystadlaethau, gostyngiadau a mwy.

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