Instant access - Savings

Savings

 1.
You can filter your savings options by selecting the groups below: (Options per category are shown in brackets)

After choosing your option your results will appear below.


 2.
Selected Category: 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 pa7.
    • Instant access savings accounts mean you won't be stuck with withdrawal restrictions
    • Open from as little as £1
  • 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 pa1 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 pa7

     

  • 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 pa1 variable
    • Instant transfers to and from your Barclays current account
    • Open from as little as £1

     

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

 

ISA saver

ISA Saver – Issue 1

  • 2.02% AER / 2.00% tax-free pa  (variable) 3
  • Instant access
  • Open from £1

Transfers-in from other ISAs are not permitted

 

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.

Other terms you're not sure of? 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 0.50% 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 ISA Saver – Issue 1, or withdraw or change the bonus offer, at anytime without notice. This would only apply to new accounts opened from that time.
 
4. Your annual ISA allowance is £10,680 in the 2011/2012 tax year. Of this, up to the first £5,340 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. The value of tax relief depends on individual circumstances. Annual limits are subject to review. The Government's favourable tax treatment of ISAs may not be maintained.
 
5. Gross rate – interest is payable without the deduction of income tax to non-taxpayers subject to the required certification and for investments of £50,000 or more which meet the Qualifying Time Deposit criteria (see clause 5 of the Bond Terms and Conditions for full details). Otherwise income tax will be deducted at the basic rate.
 
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 8 and Four Year Flexible Bond Issue 9 and interest paid end of term. Monthly interest option also available for the 18 month term, while monthly and annual interest options are available for the 4 year term. Rates are fixed for the term, although withdrawals could take the balance into a lower tier. 

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