Barclays Personal Banking
Online Banking
Log in
Register

Your cookie settings

Cookies are very small text files that some websites store on your computer when you visit them.

Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences.

We use cookies on our website to make your browsing experience better. By using this website you accept our use of cookies in accordance with the settings below.

Your allowed cookies:

Strictly Necessary are always allowed by default.

Table goes here
More information about cookies
Save

Savings

Savings

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

 2.
Account type: ISAs

  • Instant Cash ISA - Issue 1

    Instant Cash ISA – Issue 1

    Our instant access cash ISA 1 that also allows Transfers-In.

    • Earn 2.10% AER /2.08% tax-free pa 2 on balances of £1 to £14,999
    • Earn 2.20% AER /2.18% tax-free pa on balances of £15,000 to £29,999
    • Earn 2.30% AER /2.28% tax-free pa on balances of £30,000 and over
    • Rates include a fixed 12-month introductory bonus of 0.80% tax-free pa 1

     

  • 3 Year Flexible Cash ISA - Issue 2

    3 Year Flexible Cash ISA – Issue 2

    A fixed term cash ISA 3 that lets you make up to 3 withdrawals during the term, each of up to 10% of the current balance.

    • Earn 2.10% End of term /tax-free pa 2 on balances of £1 to £14,999
    • Earn 2.20% End of term /tax-free pa on balances of £15,000 to £29,999
    • Earn 2.30% End of term /tax-free pa on balances of £30,000 and over
    • Rates shown are for end of term interest option

     

    Apply for Flexible Cash ISA
  • Investment ISA

    Investment ISAs

    Maximise your annual ISA allowance and save up to £11,520 4 in an investment ISA. Our 5 Foundation funds are ready-made solutions and offer an easy introduction to investing. Choose a fund based on your goals and appetite for risk.

     

    About Foundation Funds

     

    Choose from more than 70 funds from well-known companies, including JP Morgan, Fidelity and Barclays Wealth. All can be included in an investment ISA and have been independently vetted by investment specialists.

    Fund Finder

     

    The value of investments and any income they produce can go down as well as up, so you could get back less than you invested.

Consider these options

e-savings Reward

e-savings Reward

  • Online exclusive. Ideal if you have extra money to put away each month
  • Get a higher rate for months when you don't make a withdrawal.
Save online
Monthly savings

Monthly Savings

  • Looking to start a regular savings plan? This account is ideal
  • Save £20 to £250 a month over 1 year
Save monthly

Need help with jargon?

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

ISA

Individual Savings Accounts are a special type of savings scheme launched by the Government in 1999 to encourage people to save in a tax-free efficient way. There are two types of ISAs: cash ISAs and investment ISAs (also known as stocks and shares ISAs). A cash ISA is like a normal savings account but, with the added benefit of interest being tax-free. An investment ISA involves your money being invested in the stock market, which means it will rise or fall accordingly. Investments held in an investment ISA are free of UK income and capital gains tax (although, where relevant, tax is paid on any dividend income).

Tax-free

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 tax payer. If you're opening a savings account for your child, ask for the Revenue & Customs R85 form to complete when the account is opened or take one with you. Once we get a completed form, we'll pay interest without deducting tax. You can also get a form when you open the account at your local branch. And if you give your child a gift of money that produces more than £100 of gross interest per year, the income will normally be taxed as yours.

Instant access account

These accounts allow you to withdraw all or part of your savings either immediately or at short notice. These accounts are best for rainy-day savings but you will get a better return on savings where your money is locked away for a set period, so think carefully about which account is best for your needs.

Variable rate

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

Interest

The income you receive on the money that you save.

Need other terms explained? See our Savings Jargon Buster

Important information
1. Instant Cash ISA – Issue 1 is a cash ISA. Open from £1, or £0 for Transfers-In. Applicants must be 16 years old or over. Applicants must be resident in the UK for tax purposes. 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. Rates are variable. Interest is paid monthly on the first working day of the month. The rate quoted above includes a fixed introductory bonus of 0.80% tax-free pa . The bonus is payable for 12 months from the date the account was opened, after which point the rate will reduce accordingly. We may withdraw the availability of Instant Cash ISA – Issue 1, or withdraw or change the bonus offer, at any time without notice. This would only apply to new accounts opened from that time. 
 
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. 3 Year Flexible Cash ISA – Issue 2 is a cash ISA. Open from £1, or £0 for Transfers-In. Applicants must be 18 years old or over and resident in the UK for tax purposes. If you intend to subscribe to this cash ISA, 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. Rates are fixed for the term of the cash ISA. Additional subscriptions into this cash ISA are only allowed until 5 April 2014. The amount of interest you receive will depend on the number and size of additional deposits and withdrawals you make. The 3 Year Flexible Cash ISA - Issue 2 is a limited offer which may be withdrawn at any time. You may close the account or Transfer-Out the whole balance before the maturity date subject to a charge equivalent to 270 days’ tax-free interest based on the current balance at the time. If there is insufficient earned or accrued interest, (or where you have chosen the monthly interest payment frequency option), the amount of the early access charge will be taken from the funds in the account and you may therefore get back less than you deposited. The charge does not apply if your account is closed during the cooling off period or as a result of death or bankruptcy. If you want to transfer your 3 Year Flexible Cash ISA – Issue 2 to another Barclays account before the maturity date, please visit a branch or call us on 0800 494949.
 
4. Your annual ISA allowance is £11,520 in the 2013/2014 tax year. Of this, up to the first £5,760 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.
 
5. 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.
 
6. Rates shown are for 18 Month Flexible Bond Issue 19 and interest paid end of term. A monthly interest option is also available for the 18-month term. Rates are fixed for the term, although withdrawals could take the balance into a lower tier. No additional deposits allowed.
 
7. 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). 
 
8. We may withdraw or change the bonus offer at any time without notice. This would only apply to new accounts opened from that time.
 
9. 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.

Savings

I'm interested in

Tools

Helpful Information

Ask a question below and we'll try our best to answer it.

Find your answer

Explore the site

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 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. 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.


 

Barclays Premier League

Proud sponsors of the Barclays Premier
League & the Barclays ATP World Tour Finals

Barclays APT World Tour Finals

Financial Services Compensation Scheme. Protecting your money. Find out more here.