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Instant access - Savings

Savings

 1.
You can filter your savings options by selecting the groups below:  

 2.
Account type: Instant access

  • Barclays Essential Savings account - Tower of owls

    Everyday Saver New

    Tiered interest rates mean the more you save, the more you earn.

    • Earn from 0.65% AER /0.65% gross pa 1 variable. Rates include a fixed-rate, 12-month introductory bonus of 0.55% gross pa 7.
    • Instant access savings accounts mean you won't be stuck with withdrawal restrictions
    • Open from as little as £1
    Everyday Saver
  • E-Savings reward

    e-savings Reward

    e-savings Reward is available exclusively online and offers a higher rate for months when you don't make withdrawals.

    • 1.26% AER /1.25% gross pa 1 variable when you don't make withdrawals.
    • 0.85% AER/gross pa variable for months in which a withdrawal is made
    • Both rates include a fixed-rate, 12-month introductory bonus of 0.75% gross pa 7

     

    e-savings Reward
    Apply in Online Banking
  • e-saving

    e-savings

    e-savings is our instant access, online savings account to help you save.

    • Rates from 0.10% AER /0.10% gross pa 1 variable
    • Instant transfers to and from your Barclays current account
    • Open from as little as £1

     

    e-savings
    Apply in Online Banking

Consider these options

Foundation funds

Foundation ISA

  • Low-cost investment ISA with no initial charge (other charges apply), designed for all kinds of investors
  • Five funds to choose from

 

Find out more
Loyalty Reward ISA

Loyalty Reward ISA

  • 3.05% AER 8/3.01% tax-free pa 2
  • Including a 12-month fixed bonus of 1.00% tax-free pa 3
  • Instant access

Transfers-in from other ISAs are not permitted

 

Find out more

 

Need help with jargon?

Here are the five definitions that we think you'll find most helpful.

Savings bond

A savings bond is ideal for you if you want a fixed rate of interest for your savings, for a fixed term with no risk to your capital. We have 2 types of savings bond. With our Fixed Rate Savings Bonds, you cannot make withdrawals or deposits until the bond term ends. With our Flexible Bonds, we offer you more flexibility by allowing you access to some of your money. All our savings bonds offer different interest payment options and a choice of terms (subject to availability). For example, monthly interest allows you to receive a regular monthly income from your savings and an end-of-term option means that interest will be added to your original deposit at the end of the bond term

AER

The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year. If you have an account that pays interest monthly or quarterly you will only get the full AER rate if you leave the interest in the account for the entire year. Use the AER to compare rates on different accounts and decide which one works best for you.

Monthly interest

Most savings accounts will pay interest monthly. For monthly paying interest, the gross p.a. figure will be less than the AER to allow for compounding. For interest paid annually, the gross p.a. figure will be the same as the AER figure.

Gross pa

The amount of interest paid on an account before the deduction of income tax. Like the AER, you can use the gross pa figure to compare different savings accounts and decide which one works best for you.

Variable rate

A rate of interest that can go up or down throughout the lifetime of the savings account.

Need other terms explained? See our Savings Jargon Buster

Important information
1. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to 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.
 
2. 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 the individual taxpayer.
 
3. Open from £1. Rates are variable. Interest is paid monthly on the first working day of the month. Rates include a fixed-rate introductory bonus of 1.00% tax-free pa. The bonus is payable for 12 months from the date you open your account, after which time the rates will reduce accordingly. We may withdraw the availability of Loyalty Reward ISA or ISA Saver – Issue 2, or withdraw or change the bonus offers, at anytime without notice. This would only apply to new accounts opened from that time.
 
4. Until 31 March 2014, the interest rate on a Loyalty Reward ISA will be a Barclays tracker rate, and after that date it will convert to a 'Barclays managed rate'. For the first 12 months after you open the account, the interest rate will track at a margin of 2.51% over the Bank of England Bank Rate, and this rate includes a fixed bonus of 1.00% pa for those 12 months. After this, until 31 March 2014, the interest rate will track at a margin of 1.51% over 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. Online and telephone access is only available to Barclays current account holders who are registered for Barclays Online and Telephone Banking. You will need a Barclays current account and your debit card to register for Barclays Online Banking.
 
5. Gross rate: Interest is payable without the deduction of income tax to non-taxpayers subject to the required certification and for Fixed Rate Savings Bonds £50,000 or more, opened on or before 5th April 2012, which meet the Qualifying Time Deposit criteria (see clause 5 of the Savings Bond Terms and Conditions for full details). Otherwise, income tax will be deducted at the basic rate. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
 
6. We may withdraw or change the bonus offer at any time without notice. This would only apply to new accounts opened from that time.
 
7. Rates shown are for 18 Month Flexible Bond Issue 10 and interest paid end of term. Monthly interest option also available for the 18 month term. Rates are fixed for the term, although withdrawals could take the balance into a lower tier. 
 
8. AER Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

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Barclays Bank PLC. Registered in England. Barclays Bank PLC is authorised and regulated by the Financial Services Authority (FSA). Registered No 1026167. Barclays Insurance Services Company Limited is authorised and regulated by the FSA. 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. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed and regulated by the Office of Fair Trading for the provision of credit products to consumers and related services. Further details can be found at www.lendingstandardsboard.org.uk


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