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Instant access - Savings

Interest rate (AER) Open with Access Intro offer
0.60% AER to 1.00% AER £1 Instant 0.50%
(for 12 months)
An online-exclusive instant access savings account


  • Higher rate of 1.00% AER / gross pa 4 for months when you don't make withdrawals
  • Lower rate of 0.60% AER / gross pa 4 for months when you make a withdrawal
  • Both rates include a 0.50% gross 12-month introductory bonus 7
  • All rates are variable and interest is paid monthly
  • Open your online savings account from as little as £1 and save up to £2 million
  • Optional ATM card to withdraw up to £300 per day from a Barclays cash machine
  • Manage your account online if you're a Barclays Online Banking customer

e-savings Reward terms and conditions

Visit the e-savings Reward page for full details.

 

  • 1.00% AER / gross pa 4 variable when you don't make withdrawals
  • 0.60% AER / gross pa variable for months in which a withdrawal is made
  • Both rates include a fixed-rate, 12-month introductory bonus of 0.50% gross pa 7
0.31% AER to 0.80% AER £1 Instant 0.21%
(for 12 months)
An instant-access savings account that allows as many withdrawals as you may want, when you want


  • Tiered interest rates from 0.31% AER / gross pa 4 variable
  • All rates include a fixed introductory bonus of 0.21% gross pa – the bonus is payable for 12 months from the date you open your account 6
  • No maximum balance
  • Optional ATM card to withdraw up to £300 per day from a Barclays cash machine – subject to available funds
  • Interest paid monthly
  • Account can be included within an offset mortgage arrangement if you have a Woolwich Offset Mortgage

Everyday Saver terms and conditions

Visit the Everyday Saver page for full details.

Other ways to apply:
Apply by phone on 0845 300 6156 or visit a branch if you are an existing Barclays customer.

 

  • Tiered interest rates from 0.31% AER / gross pa 4 variable. Rates include a fixed-rate, 12-month introductory bonus of 0.21% gross pa 7
Important information
1. For cash ISAs, applicants must be resident in the UK for tax purposes. ISA rules may change. You must not have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA during the same tax year. Tax-free means interest is exempt from UK Income Tax, providing all ISA conditions are met.
 
Instant Cash ISA – Issue 1: To hold a cash ISA, you must be aged 16 years or over. Open from £1, or £0 for Transfers-In.
 
Flexible Cash ISA – Issue 3: To hold a flexible cash ISA, you must be 18 years old. Open from £1, or £0 for Transfers-In. You can make additional payments up to your annual allowance until 5 April 2015. Transfers-Out are allowed before the maturity date, but only in full, or you can close your account early. Closures and Transfers-Out carry a charge of 270 days’ tax-free interest based on the balance at the time. If there’s insufficient earned or accrued interest, or where you’ve chosen the monthly interest payment option, the charge will be taken from the funds in the account so you may get back less than you deposited.
 
Instant Cash ISA and Flexible Cash ISA are limited offers and may be withdrawn at any time.
 
To hold an investment ISA, you must be aged 18 years or older and be resident in the UK for tax purposes. 
 
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. Your annual ISA allowance is £11,880 in the 2014/2015 tax year. Of this, up to the first £5,940 can be saved in a cash ISA with one provider. All of your allowance or the remainder can be saved in a stocks and shares ISA. Annual limits are subject to review. The Government's favourable tax treatment of ISAs may not be maintained.
 
4. Gross is the rate of interest payable before income tax is deducted at the basic rate. Interest is payable gross to UK non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.
 
5. Until 1 January 2016, the interest rate on Children’s Instant Saver Issue 1 will be a ‘Barclays tracker rate’, and after that date, it will convert to a ‘Barclays managed rate’. Until 1 January 2016, the gross interest rate pa will track at a margin of 1% above the Bank of England Bank Rate. Any changes in the Bank Rate (either up or down) will be passed on no later than 30 days after the Bank of England announcement. Condition 13 of the Retail Customer Agreement explains what we mean by ‘Barclays tracker rate’ and ‘Barclays managed rate’, and how changes can be made to those rates. In addition, the interest rate on Children’s Instant Saver Issue 1 will never fall below 1.50% gross pa (1.51% AER). 
 
6. We may withdraw or change the bonus offer at any time without notice. Bonus is payable for 12 months from the date of the account opening with a minimum balance of £1 after which time the rate will reduce accordingly.

 

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


 

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