Principality Building Society Login, Savings & Mortgages

by
Independent Welsh building-society guide · Reviewed 29 July 2026

Manage Principality Savings, Mortgages and Online Access Without Taking the Wrong Route

Principality Building Society customers may need to activate an online profile, recover a user ID, change a linked bank account, withdraw savings, transfer an ISA, switch a mortgage, arrange an overpayment or register legal authority.

This independent guide connects each task with the correct official service, explains what information to prepare and highlights the restrictions that can delay a withdrawal, ISA transfer or mortgage change.

Open official online profile Find a Principality branch Choose my task
Online profile Savings accounts Cash ISAs Linked accounts Mortgage switching Overpayments 69 locations Welsh service
OFFICIAL ROUTE VERIFIED
Independent website notice: Building-society.org is not Principality Building Society. This page cannot view, unlock, withdraw, transfer, close or change a Principality account. Never enter your user ID, password, security answer, text passcode or full account information here.
Official account access

Principality Your Account online profile.

General enquiries

0330 333 4000

Mortgage enquiries

0330 333 4002

Mortgage payment worries

0330 333 4020

Published phone hours

Monday–Friday 9:30am–5pm; Saturday 9am–1pm.

Branch network

69 branch and agency locations advertised.

FSCS standard limit

£120,000 per eligible person.

FCA reference

155998.

Account information or a transaction may be at risk?

Stop communicating with the suspected scammer and call Principality on 0330 333 4000 as soon as possible. Do not share a texted security passcode.

Official task finder

What do you need from Principality Building Society?

Select the task that most closely matches your situation. The helper runs locally in your browser and does not collect your selection.

Do not type account numbers, login information, transaction details or personal circumstances into this selector.

ONLINE ACCESS Login, registration or recovery

Use the user ID, password and personal mobile number through the official online-profile service.

Open login guidance
SAVINGS Save, withdraw or change a linked account

Check the exact account terms before moving money or closing an account.

Open savings guidance
ISA Transfer or mature a Cash ISA

Use the formal transfer process rather than withdrawing money manually.

Open ISA guidance
MORTGAGE Switch, overpay, port or borrow more

Check the deal-end date, product fee and Early Repayment Charge first.

Open mortgage guidance
SECURITY Fraud or suspicious contact

Stop the conversation, protect your security information and contact Principality.

Open fraud guidance
SPECIALIST SUPPORT Bereavement, attorney or complaint

Prepare the required documents and use the appropriate support route.

Open support guidance

Go directly to your Principality task

The guide is arranged around practical customer journeys rather than reproducing Principality’s website navigation.

Principality at a glance

What Principality Building Society does

Principality is a mutual building society headquartered in Cardiff. It specialises in savings and residential mortgages and serves customers through its online profile, telephone teams, branches and agencies.

Principality does not offer an everyday current account. This means its online services are focused primarily on eligible savings and mortgage accounts rather than debit-card spending or bill-payment banking.

Organisation type

Member-owned UK building society.

Primary services

Savings, Cash ISAs and residential mortgages.

Head office

Principality House, The Friary, Cardiff, CF10 3FA.

Service area

Branches and agencies across Wales and the borders.

Do not choose by mutual status alone. Compare the interest rate, access restrictions, mortgage fees, Early Repayment Charges, branch availability and digital functionality with other suitable providers.
Mutual ownership explained

What Principality membership can mean

Membership provides a relationship with the Society but does not replace product comparison
Membership feature Possible value Important limitation
Member ownership Eligible customers are members rather than external shareholders owning the Society. Membership does not guarantee the highest savings rate or lowest mortgage cost.
AGM voting Eligible members can vote and take part in formal Society governance. Qualifying dates, account conditions and voting rules apply.
Branch service Face-to-face support remains available across a substantial Welsh network. Not every product or specialist service is available in every location.
Bilingual identity Principality maintains a strong Wales-focused service and Welsh-language presence. Specific support-channel availability should be confirmed when required.
Member communications Members can receive information about the Society’s performance and governance. Product rates and benefits can still change independently.
Closing your only account? Ask whether the closure ends your membership and whether that matters before moving the full balance or redeeming the only mortgage.
About Principality Corporate governance
Online vs telephone vs branch

Choose the correct Principality service channel

Availability depends on the product, account ownership and security setup
Task Online profile Telephone Branch or agency
View eligible account balances Available Available after security Available
Send a secure account message Available Not a message Not an online message
Change a linked bank account Secure-message route Available Check account type
Withdraw eligible savings Eligible accounts Subject to checks Subject to product terms
Switch a mortgage deal Non-advised route available Advice can be available Arrange appointment
Register power of attorney Not normal online access Guidance first Document-registration route
Report suspected fraud Do not rely on messaging Call promptly During opening hours
Important digital difference: Principality’s official account-management service is an online profile. Do not install an unofficial application claiming to provide Principality banking access.
Principality Building Society login

Log in to your Principality online profile safely

Official starting page: principality.co.uk/home/your-account
Open the official website directly Type principality.co.uk or use a saved bookmark you created after checking the official page.
Check the web address Confirm that the login journey remains on a genuine principality.co.uk page.
Enter the user ID and password Use the credentials created during online-profile registration.
Receive the texted passcode Principality sends a unique security passcode to the personal mobile number registered to the profile.
Enter the passcode only on the official page Do not read the code to a caller or send it in a message.
Review the account before acting Confirm the account name, balance, linked bank account and instructions.
Use secure messages for supported requests This can include personal-detail, Direct Debit, linked-account or savings enquiries.
Log out after finishing Close the browser when using a shared or public device.
Never approve a login directed by an unexpected caller. Principality should not ask you to disclose a complete password, security answer or texted passcode.
Non-interactive coded visual

Recognise the Principality online-profile journey

Registration and postal activation

Create and activate a Principality online profile

ONLINE PROFILE ACTIVATION ••••••
3–5 DAYS

Why a letter is involved

Principality uses a one-time activation code sent by post to add an additional identity and address check before the profile is fully activated.

Eligible Principality account number
Personal email address
Personal mobile number
Secure password
User ID sent by email
Activation code sent by post
Open the official registration route Start from Principality’s Your Account or online-profile support page.
Enter the requested personal information Provide the account number, personal email, personal mobile and identity details.
Create the password Use a unique password not used for email or another financial service.
Save the emailed user ID The user ID is separate from the savings or mortgage account number.
Wait for the activation letter Principality says the postal code should normally arrive within three to five days.
Log in using the user ID and password Complete the text-passcode security check.
Select Enter Activation Code Enter the code from the letter once to complete activation.
Check which accounts are visible Contact Principality when an eligible existing account is missing after activation.
No personal mobile number? Principality says customers without a personal mobile can manage accounts by telephone or through an appropriate branch route. Online-only savings accounts may require telephone support instead of branch management.
Login troubleshooting

Fix a Principality online-profile problem in the right order

Avoid repeatedly guessing information and creating a lockout
Problem Likely issue Practical next action
User ID forgotten The user ID is separate from the account number. Request the official user ID reminder sent to the registered email address.
Password forgotten The password needs to be reset using the registered security information. Use the official reset route and answer the security questions.
Profile says locked out Too many unsuccessful attempts or a security intervention. Stop attempting to log in and call 0330 333 4000.
No text passcode arrives Signal, registered number or mobile-access problem. Check reception and call Principality when the stored number may be wrong.
Mobile number changed The login code is still being sent to the former number. Call 0330 333 4000 to update the registered details.
Activation letter has not arrived Postal delay or an incorrect correspondence address. Allow the stated three-to-five-day period, then contact Principality.
Existing account is missing The account may not be linked or eligible for online display. Use official online-profile support or call the general team.
Online-only account needs branch help Some online-only products are not designed for branch management. Call 0330 333 4000 for the correct account-specific route.
Open online-profile support Call 0330 333 4000
Savings decision centre

Choose Principality savings by access and purpose

Move from savings goal to the correct account structure

?
1. Define the goal

Emergency savings, regular saving, fixed return, ISA or longer-term reserve.

%
2. Identify the rate

Check AER, gross rate, variable or fixed status and any introductory bonus.

↔
3. Test access

Count withdrawals, notice, closure restrictions and management channels.

✓
4. Check the exit

Understand maturity, ISA transfer, early closure and linked-account rules.

Match the account to when the money may be needed
Purpose Account type to examine Most important check Main risk
Emergency fund Easy-access savings Can money be withdrawn immediately and how? A variable rate can fall.
Monthly saving Regular saver Monthly funding limits and missed-payment rules. Restrictions may reduce flexibility.
Limited withdrawals Access or bonus saver Number of permitted withdrawals and bonus conditions. An extra withdrawal can reduce the rate.
Fixed return Fixed-rate bond Whether any early access is allowed. Money may be unavailable before maturity.
Tax-free saving Cash ISA Transfer, withdrawal, maturity and flexibility rules. Manual withdrawal can affect ISA status.
Face-to-face support Branch-exclusive savings Whether opening and management require a branch. The account may be less convenient when travelling or moving.

Review an existing savings account

Exact account and issue name
Current AER and gross rate
Bonus end date
Withdrawal allowance used
Minimum and maximum balance
Online, telephone or branch restrictions
Maturity date
FSCS exposure across all accounts
Compare current savings Open savings support
Paying in and taking money out

Withdraw from Principality savings without creating a delay

Identify the exact account Confirm whether it is online-only, branch-based, easy access, restricted access, fixed term or an ISA.
Read the withdrawal conditions Check the minimum amount, withdrawal count, notice period and early-access consequences.
Confirm the payment destination Electronic withdrawals generally need to go to the verified linked account in the customer’s name.
Use the correct instruction channel Options may include the online profile, secure message, telephone, branch, post or cheque.
Check whether the withdrawal closes the account A full withdrawal may automatically close some accounts.
Keep the confirmation Save the requested amount, destination, date and reference.
Common withdrawal routes and practical checks
Withdrawal route Possible use Check before proceeding
Electronic transfer Move eligible savings to the verified linked bank account. Account name, sort code, account number, daily limit and processing time.
Branch cheque Request a cheque from an eligible account. Principality currently publishes a branch or agency cheque limit of up to £85,000 without the larger-withdrawal notice process.
Cheque above £85,000 Large eligible withdrawal. Contact the intended branch at least five business days in advance.
Telephone cheque request Request an eligible cheque without travelling. The request can take up to five business days to complete.
Fixed-term closure Close or transfer where the product allows it. Interest penalty, notice, complete closure or prohibition on early access.
A large withdrawal may need additional checks. Be prepared to explain the purpose, destination and source of the money and provide supporting documents when requested.
Online-only savings security

Understand and change a Principality linked account

A linked account is an external UK bank or building-society account that Principality has verified belongs to the saver. It helps reduce fraud risk when money is withdrawn electronically.

Why it exists

It limits electronic withdrawals to a pre-verified account belonging to the customer.

Online route

Log in and send a secure message requesting the linked-account change.

Telephone route

Call 0330 333 4000 and complete the security checks.

Open the current account details Confirm which external account is currently linked.
Prepare the new bank details Have the account holder name, sort code and account number.
Confirm ownership The replacement account normally needs to be in the Principality customer’s name.
Submit the change securely Use a secure message or telephone support rather than ordinary email.
Wait for confirmation Do not make a large withdrawal until the new linked account is visible or confirmed.
Verify the first payment carefully Confirm the receiving account and amount before authorising it.
Changing the linked account does not automatically cancel a payment already in progress. Ask Principality about any pending transfer separately.
Cash ISA transfers and maturity

Transfer a Principality ISA without losing tax-free status

Do not withdraw ISA money into an ordinary bank account merely to move providers. Use the formal ISA-transfer process so the providers transfer the money directly.
Transfer to Principality

Use the digital transfer form under Manage this account where supported or submit the appropriate signed form.

Transfer away

Ask the receiving ISA provider to initiate the transfer from Principality.

Internal transfer

Principality currently requires the complete balance when transferring between two Principality ISAs.

ISA decisions that need additional care
Situation Potential problem Safer action
Transfer from another Cash ISA A manual withdrawal may remove the funds from the ISA wrapper. Complete Principality’s formal Cash ISA transfer process.
Transfer from Stocks and Shares ISA The receiving product and transfer process differ. Use the dedicated Stocks and Shares ISA to Cash ISA form.
Transfer between Principality ISAs A partial internal transfer is not currently supported. Transfer the full balance using the internal transfer form.
Fixed-rate Cash ISA Early closure or transfer can create a substantial interest penalty. Read the exact product terms before submitting instructions.
ISA maturity The money may move into a default maturity product. Review and submit the maturity options before the deadline.
Fixed ISA example: Some current two-year Principality fixed Cash ISAs state that early closure or transfer can cost 180 days of interest. If insufficient interest has been earned, the deduction can reduce the original capital.
Open ISA transfer guidance Open document centre Compare current ISAs
Principality mortgage decision centre

Choose the correct mortgage route

Mortgage decision route

1
Identify the task

First home, moving, remortgage, deal switch, porting, overpayment or support.

2
Check the existing deal

Record the balance, interest rate, end date, term and ERC.

3
Compare total cost

Include payments, product fees, legal work, valuation and incentives.

4
Confirm the change

Keep the offer, effective date, payment and completion information.

First-time buyer

Estimate deposit, affordability, monthly cost and required evidence.

Moving home

Check whether the existing mortgage can be ported and whether extra borrowing is needed.

Remortgage

Compare Principality and other lenders after fees, legal costs and ERCs.

Existing customer

Switch the product, overpay, request a statement or discuss account administration.

Documents commonly needed

Income and employment evidence
Self-employed tax or accounts information
Bank statements
Deposit evidence
Source-of-funds evidence
Existing mortgage statement
Credit commitments
Identification and address evidence
Your home may be repossessed if you do not keep up repayments on your mortgage. A calculator, illustration or initial assessment is not a final mortgage offer.
Explore Principality mortgages Manage an existing mortgage
Existing mortgage customers

Switch a Principality mortgage before the current deal ends

Current switching window: Principality says existing customers with fewer than six months remaining on their current deal can review switching options.
Compare the available mortgage routes before selecting a new deal
Option Possible advantage Important check
Switch online without advice Complete an eligible product transfer independently. You are responsible for choosing a suitable deal without personalised advice.
Switch by telephone with advice Discuss the available Principality options with a mortgage expert. Appointment and eligibility requirements.
Allow the deal to end May avoid committing immediately to another fixed term. The mortgage may move to a higher variable rate.
Remortgage elsewhere Access the wider mortgage market. New underwriting, valuation, legal work, fees and timing.
Switch before the permitted date Secure another rate earlier. An Early Repayment Charge may apply.
Find the deal-end date Use the mortgage offer, annual statement or online profile.
Check the current balance and term Confirm whether the mortgage has more than one account part.
Identify the Early Repayment Charge Read the Early repayments section of the mortgage offer.
Compare product fees A lower interest rate can still cost more after a large product fee.
Choose advised or non-advised switching Use telephone advice when you need help deciding between the available deals.
Save the switch confirmation Retain the selected rate, product fee, start date and revised payment.
Open mortgage switching Call mortgage support
Reduce the mortgage balance

Make a Principality mortgage overpayment safely

Published general allowance: Principality currently says customers can generally overpay up to 10% of the mortgage balance in each calendar year without an Early Repayment Charge. The allowance is based on the balance on 1 January.
Check the mortgage offer The individual offer controls the allowance and Early Repayment Charge.
Confirm the 1 January balance Calculate 10% using the relevant opening-year balance unless the offer states differently.
Add earlier overpayments Include lump sums and regular extra payments already made in the calendar year.
Keep an emergency reserve Do not use cash that may be needed for essential household costs.
Use the correct payment details Follow Principality’s official bank-transfer, telephone, branch or cheque instructions.
Keep proof of payment Save the date, amount, mortgage reference and updated balance.

Estimate a general 10% overpayment allowance

Use the relevant balance shown by Principality.
Include regular and lump-sum overpayments.
Compare with the remaining estimated allowance.
Estimated allowance remaining before the new payment
£15,000.00

Confirm the actual allowance and ERC with Principality before sending money.

This calculator is not an ERC quotation. Some mortgage products can have different rules, and an amount above the allowance may create a charge.
Open overpayment guidance Understand ERCs
Mortgage payment difficulties

Contact Principality early when repayments may become difficult

Specialist mortgage payment support:

Call 0330 333 4020, Monday to Friday during the published specialist opening hours.

Mortgage account number
Next payment date
Current household income
Essential household spending
Other credit commitments
Reason for the financial change
Expected duration of the difficulty
A safe telephone number and contact time
Ask about the full consequence of every option. A temporary payment reduction or term extension can lower the immediate payment while increasing the total interest or changing the mortgage end date.
Do not cancel the mortgage Direct Debit without discussing the effect. A missed payment can affect the mortgage account and credit record.
Call payment support Open mortgage support
Branches, agencies and contact

Find a Principality branch without making a wasted journey

Principality currently advertises 69 branches and agencies across Wales and the borders. Opening hours, appointments and available services differ by location.

Search by town or postcode Use the live official branch finder.
Open the individual location Check the address, opening hours and service information.
Confirm that the account is branch-manageable Online-only savings accounts may need telephone rather than branch support.
Book an appointment for a complex task Arrange time for account opening, identification, attorney documents or mortgage support.
Bring original documents Prepare accepted identification, legal authority and account details.
Arrange a large cheque withdrawal Contact the intended branch in advance when the amount exceeds the published in-branch threshold.
General enquiries

0330 333 4000

Monday–Friday 9:30am–5pm; Saturday 9am–1pm.

Calling from outside the UK

+44 29 2038 2000

Mortgage queries

0330 333 4002

Use for porting, additional borrowing and related mortgage questions.

Mortgage arrears support

0330 333 4020

Customer postal address
Principality Building Society
Principality Buildings
PO Box 89
Queen Street
Cardiff
CF10 1UA
Head office
Principality Building Society
Principality House
The Friary
Cardiff
CF10 3FA
Head office is not automatically the correct counter-service location. Use the branch finder when you need face-to-face account service.
Open branch finder Request an appointment All contact options
Fraud and security

Protect your Principality account from scams

Contact Principality as soon as possible when:

Security information has been disclosed, an unfamiliar transaction appears, a passbook is missing or somebody may have accessed the account.

Texted passcode request

Do not disclose a login passcode to a caller, adviser, courier or supposed fraud investigator.

Safe-account instruction

Do not move savings because a caller claims the existing account is unsafe.

Remote-access software

Do not install software allowing an unexpected caller to control the device.

Fake investment

Do not transfer savings because an advert promises guaranteed returns or urgent access.

False linked-account change

Contact Principality immediately when the registered withdrawal destination has changed unexpectedly.

Suspicious login page

Close the page and reopen principality.co.uk directly rather than following the same message link.

Evidence to preserve

Date and time
Caller telephone number
Email or text message
Website address
Payment or transaction amount
Recipient bank details
Instructions given by the suspected scammer
Security information that may have been exposed
Call Principality Open fraud guidance Fraud and scam terms
Bereavement and legal authority

Register a bereavement or power of attorney

Tell Principality that an account holder has died

Available notification routes
Prepare where available
  • Full name and address of the deceased.
  • Date of birth and date of death.
  • Savings or mortgage account information.
  • Death certificate or verification details.
  • Executor or administrator information.
Make the initial notification You do not need to know every account before telling Principality about the death.
Explain your relationship State whether you are an executor, administrator, solicitor, spouse, civil partner or relative.
Wait for the account-specific document list Requirements depend on ownership, balance and whether the account is savings, ISA or mortgage.
Ask about ISA Additional Permitted Subscription A surviving spouse or civil partner may be entitled to an additional ISA allowance.
Keep an estate record Retain every certificate, form, letter, payment and account-closure confirmation.

Register power of attorney

Branch appointment

Book a meeting and take the registered authority and requested identification.

Postal registration

Send the requested documents to Specialist Customer Support, PO Box 89, Queen Street, Cardiff, CF10 1UA.

Document email

Principality publishes identification@principality.co.uk for its supported document process.

Registered Power of Attorney or legal authority
Power of Attorney declaration form
Donor identification where requested
Attorney identification and address evidence
Instructions for joint attorneys
Restrictions contained in the document
An attorney or legal representative cannot automatically use the donor’s online-profile login. Access and transaction permissions depend on the registered authority and Principality’s account-operating process.
Bereavement support Power of Attorney help Document centre
Extra support

Ask Principality to adjust its service to your needs

Longer appointments

Ask for additional time when a normal appointment would feel rushed.

Documents read aloud

Ask a colleague to read forms or account information aloud.

Communication needs

Explain hearing, vision, language, speech, cognitive or other communication requirements.

Trusted support

Ask how another person can attend while respecting account authority and privacy.

Tell the Society before an appointment where practical. This gives the branch or telephone team time to prepare the appropriate support.
Open extra support Request appointment
Deposit protection

Understand FSCS protection for Principality savings

Current standard limit: Eligible deposits with Principality Building Society are generally protected up to £120,000 per eligible person, per authorised institution.
Protection is per person

Several eligible Principality accounts are combined rather than protected separately.

Joint accounts

Two eligible joint holders can normally have up to £240,000 of combined standard protection.

Temporary high balances

Additional temporary protection may apply after certain qualifying life events.

Illustrative standard-limit examples
Eligible Principality deposits Total General standard-limit position
£80,000 easy access + £25,000 Cash ISA £105,000 Within the £120,000 individual standard limit, subject to eligibility.
£90,000 bond + £50,000 Cash ISA £140,000 £20,000 exceeds the standard individual limit unless another protection rule applies.
Eligible joint savings of £200,000 £200,000 Potentially within the combined £240,000 joint-holder limit, subject to other holdings.
Count ownership, not account names. Individual, joint, trust, executor and business accounts can be treated differently under FSCS rules.
Principality FSCS information Use the FSCS checker
Complaint and escalation process

Make a Principality complaint that is easy to investigate

Full name and safe contact details
Relevant account or application reference
Important dates and times
Names or teams already contacted
Letters, statements or screenshots
Financial and practical impact
The outcome requested
A copy of everything submitted
Branch

Raise the issue with a colleague and request a complaint reference.

Telephone

Call 0330 333 4000.

Email

complaints@principality.co.uk

Post

FREEPOST PRINCIPALITY BUILDING SOCIETY – Complaints.

Principality’s published complaint-handling stages
Stage Published approach Your action
Resolved quickly A Summary Resolution Letter can be sent when the complaint is resolved within three working days. Retain the letter and check the agreed action is completed.
Formal acknowledgement Principality says it will send an acknowledgement within 10 days when the matter remains open. Check that every complaint point is included.
Four-week update An update is sent when the complaint remains unresolved after four weeks. Provide any outstanding evidence promptly.
Eight-week position A further response explains the status and escalation rights when the complaint remains unresolved. Protect any Financial Ombudsman referral deadline.
Explain the problem in date order State what happened, what should have happened and what has already been tried.
Separate different complaint issues Use headings for digital access, savings, ISA, mortgage, advice, fee or communication concerns.
State the resolution requested Ask for an explanation, correction, payment investigation, fee review or another realistic outcome.
Keep the complaint reference Save emails, telephone dates, postal proof and every response.
Review the final response carefully Check whether it addresses every complaint point.
Refer an eligible unresolved complaint Use the Financial Ombudsman Service within the deadline stated in the final response.
Open complaint information Email complaints team Financial Ombudsman Service
Practical customer situations

What to do next in common Principality situations

I cannot receive the login passcode
  1. Check mobile signal.
  2. Confirm that you are using the registered personal number.
  3. Do not repeatedly request codes.
  4. Call 0330 333 4000 if the number changed.
  5. Update the details through the official process.
My online profile is locked
  1. Stop additional login attempts.
  2. Check the official support page.
  3. Prepare the account number.
  4. Call 0330 333 4000.
  5. Reset only through the verified route.
I want to move an ISA
  1. Identify the exact ISA.
  2. Check fixed-term penalties.
  3. Choose the receiving ISA.
  4. Use the formal transfer form.
  5. Do not withdraw the funds manually.
My mortgage deal ends soon
  1. Find the deal-end date.
  2. Check the ERC.
  3. Compare advised and online switching.
  4. Include product fees.
  5. Save the new deal confirmation.
I need to withdraw more than £85,000
  1. Check the account allows withdrawal.
  2. Confirm the preferred method.
  3. Contact the intended branch.
  4. Give at least five business days’ notice for a large cheque.
  5. Prepare source and purpose information.
An account holder has died
  1. Do not use their login details.
  2. Notify Principality.
  3. Identify the estate representative.
  4. Wait for the document checklist.
  5. Keep a complete estate record.
Official starting points

Official Principality Building Society resources

Use the official page that directly controls the task
Resource Use it for Official link
Principality homepage Current products, notices and navigation. Open homepage
Your Account Official online-profile access. Open account access
Online-profile support Registration, activation, login and linked-account help. Open support
Savings accounts Compare current savings and ISA products. Compare savings
Savings support Withdrawals, linked accounts, tax certificates and account management. Savings help
ISA transfers Transfer into, out of or between Principality ISAs. ISA transfer help
Principality mortgages First-time buyer, home-mover and remortgage information. Explore mortgages
Manage a mortgage Statements, Direct Debit, balance, redemption, switch and overpayment support. Manage mortgage
Mortgage switching Review a new Principality deal. Switch deal
Overpayments Check allowance and payment methods. Overpayment help
Mortgage payment support Discuss repayment worries and arrears. Payment support
Branch finder Current locations, opening hours and services. Find branch
Fraud and security Protect information and report concerns. Security guidance
Bereavement Notify Principality and understand the next steps. Bereavement help
Extra support Power of attorney, communication and accessibility support. Extra support
Complaints Raise and escalate a service concern. Complaint process
FSCS information Understand eligible deposit protection. FSCS information
Related independent guides: Compare the Nationwide Building Society guide, Coventry Building Society guide and Skipton Building Society guide.
Frequently asked questions

Principality Building Society questions answered

What is the official Principality Building Society login?

Use the Your Account page on principality.co.uk.

What information is needed to log in?

Use the registered user ID and password, then enter the unique security passcode sent to your personal mobile number.

How do I register an online profile?

Provide the eligible account number, personal email, personal mobile and requested identity information. Principality emails the user ID and posts an activation code.

How long does the activation letter take?

Principality currently says the letter should normally arrive within three to five days.

How do I recover my user ID?

Use the official user ID reminder. The reminder is sent to the personal email registered to the profile.

What should I do when the profile is locked?

Stop additional login attempts and call 0330 333 4000.

How do I update the login mobile number?

Call Principality on 0330 333 4000. The online profile needs an up-to-date personal mobile number for login passcodes.

How do I change my linked bank account?

Send a secure message from the online profile or call 0330 333 4000.

How do I withdraw from Principality savings?

The route depends on the product. Options can include electronic transfer, cheque, branch, telephone, post or secure message.

How do I transfer an ISA to Principality?

Use the digital ISA transfer process where supported or submit the relevant signed transfer form.

Can I partially transfer between Principality ISAs?

Principality currently requires a full-balance transfer when moving money internally from one Principality ISA to another.

When can I switch my Principality mortgage?

Existing customers with fewer than six months remaining on the current deal can review switching options.

How much can I overpay?

Principality generally permits up to 10% of the mortgage balance per calendar year without an ERC, based on the balance on 1 January. Check the individual offer.

Who should I call about mortgage payment worries?

Call the specialist team on 0330 333 4020.

How many Principality branches are there?

Principality currently advertises 69 branch and agency locations. Use the live finder for current hours and services.

How do I report suspected fraud?

Call 0330 333 4000 as soon as possible and explain which information or transaction may be affected.

How do I report a bereavement?

Call 0330 333 4000, visit a branch or email bereavement@principality.co.uk.

How do I register power of attorney?

Book a branch appointment, post the documents to Specialist Customer Support or follow Principality’s supported identification-email process.

How much FSCS protection applies?

Eligible deposits are generally protected up to £120,000 per eligible person, subject to current FSCS rules.

How do I complain to Principality?

Complain in a branch, call 0330 333 4000, email complaints@principality.co.uk or write to FREEPOST PRINCIPALITY BUILDING SOCIETY – Complaints.

Editorial trust and verification

How this Principality guide was checked

Manual official-source review

The guide was organised around real customer tasks and risk points rather than copied product descriptions.

Official online-profile route checked
Registration and activation process reviewed
User ID, password and lockout guidance checked
Savings withdrawal information reviewed
Linked-account process checked
ISA transfer requirements checked
Mortgage switching window reviewed
Overpayment guidance checked
Branch and telephone details checked
Bereavement, POA, complaints and FSCS routes reviewed
Meaningful review date: Official routes, telephone numbers, opening hours, digital-access steps, savings support, mortgage guidance, branch information and FSCS protection were reviewed on 29 July 2026. Live savings and mortgage rates are intentionally not presented as permanent facts.
Independent information disclaimer

Building-society.org is an independent informational website. It is not operated, sponsored, endorsed or authorised by Principality Building Society, the FCA, PRA, FSCS or Financial Ombudsman Service.

Rates, products, fees, branches, contact hours, withdrawal methods, online-profile requirements, mortgage conditions, ISA rules and deposit-protection arrangements can change. Confirm important information through the relevant official source before applying, transferring, withdrawing, closing an account or changing a mortgage.

This guide provides general educational information and is not personalised savings, mortgage, tax, legal or financial advice. Last meaningful editorial review: 29 July 2026.

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