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2 Year Flexible Cash ISA – Issue 15

A fixed rate of return, with some access

You can earn a fixed rate on your money, and have the flexibility to access some of your savings too. Save up to £15,240, tax-free in the 2016/2017 tax year 1.

Don’t miss out

The deadline of 5 April is approaching

 

  • Fixed rate of 0.75% AER/tax-free pa 2 for 2 years
  • Make 3 free withdrawals, each one of up to 10% of your current balance
  • Open with £1 (£0 for transfers-in) to £1 million
  • Transfer-in your existing ISA for a limited period

Summary box

Account name

2 Year Flexible Cash ISA - Issue 15

What is the interest rate?

Interest rates for balances of £1+, effective from 7 March 2017.

Interest option

Monthly

Gross pa %

End of term

Gross pa %


AER % (all interest options)

2-year term

0.75

0.75

0.75

Interest option

2-year term

Monthly

Gross pa %

0.75

End of term

Gross pa %

0.75


AER % (all interest options)

0.75

Monthly and end of term interest payment options are available.

End of term interest is compounded annually and added to the funds deposited in your ISA when it matures.

Monthly interest cannot be paid back into this ISA or directly to any other ISA or bond. It can be paid into a Barclays account in your name or held jointly with someone else, or it will be sent to you by cheque.

Can Barclays change the interest rate?

No, the interest rates are fixed for the 2-year term of the ISA.

What would the estimated balance be at the end of the term based on a £1,000 deposit?

Deposit amount

Monthly
(Estimated value at the end of the term)

End of Term
(Estimated value at the end of the term)

£1,000

£1,015.00

£1,015.06

Deposit amount

£1,000

Monthly
(Estimated value at the end of the term)

£1,015.00

End of Term
(Estimated value at the end of the term)

£1,015.06

How do I open and manage my account?

You can open an account online, in branch or over the phone. Please see the ‘How to apply’ section below for more details.

You can open this ISA with £0 if it’s being funded by an ISA transfer-in, otherwise the minimum deposit is £1. The maximum is £1 million.

Eligibility

To apply for this cash ISA, you must:

  • Be aged 18 or above
  • Be resident in the UK for tax purposes
  • Open this ISA for yourself
  • Have a National Insurance number

To subscribe to a cash ISA, you can’t have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA, during the same tax year. 

Can I withdraw money?

Yes, you can make 3 withdrawals during the term of the 2 Year Flexible Cash ISA - Issue 15. The maximum value per withdrawal on this cash ISA is 10% of your balance at the time the withdrawal is made.

You can access your funds and manage your account in branch, or using Online Banking, Barclays Mobile Banking or Telephone Banking – provided you’re registered.

Additional information

Tax status: Tax-free. Interest is exempt from UK Income Tax provided all ISA conditions are met.

Our 2 Year Flexible Cash ISA - Issue 15 is a strictly limited offer and may be withdrawn at any time. 

This account cannot be offset against a mortgage loan we have made to you.

Terms and conditions

How to apply

There are different ways to apply, depending on whether you bank with us or not. You’ll need to have your National Insurance number to hand when you apply.

New to Barclays?

Already a customer?

Apply online, by phone or in branch.

Register for Online Banking

Call 0345 744 5445 4

More ways to save

If this flexible cash ISA isn't what you’re looking for, we have other options for you to consider.

Instant Cash ISA

Instant Cash ISA

Looking to save but want access to all your money whenever you need it?

Help to Buy ISA

Help to Buy: ISA

First-time home buyers could receive a 25% government bonus on their savings in a Help to Buy: ISA.

Savings

Savings

Looking to save but with more flexibility? See our range of savings accounts.

 

Important information

1. Your ISA allowance for the 2016/2017 tax year is £15,240. Annual allowances are subject to review and the government’s favourable treatment of ISAs may change.

2. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free: indicates that interest is exempt from UK income tax, provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on your personal circumstances.

3. If you choose monthly interest, this will be paid to you each month and will not be added to your cash ISA balance. If you choose end-of-term interest, this will be compounded and added to your balance at maturity.

4. Lines are open Monday to Friday 8am-9pm, Saturday 9am-9.30pm and Sunday 8am-9pm. To maintain a quality service, we may monitor or record calls. Call charges