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Savings Bonds - Savings

Savings

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

 2.
Account type: Savings Bonds

  • Slinky on stairs

    18 Month Flexible Bond Issue 19

    Looking to lock away some of your savings for 18 months with a fixed rate? Our Flexible Bond gives you the peace of mind that you can still make some withdrawals.

    • Make 3 withdrawals, each one up to 10% of the initial deposit 7
    • Interest can be paid monthly or at the end of the term
    • Earn 1.75% AER / gross pa 5  (balances £1 to £49 999)
    • Earn 1.90% AER / gross pa 5 (balances £50,000 to £1 million)
    • Open from £1 to £1 million, but no additional deposits are allowed

     

    Apply in Online Banking
    Flexible Bond

     

  • 1year savings bonds

    One Year Fixed Rate Savings Bond

    Our Fixed Rate Savings Bond gives you the security of a fixed rate of interest on your savings, when you lock away your money for one year.

    • Interest paid monthly or at the end of the term
    • End of term: Earn 1.60% AER /gross pa 5 (balances £500 to £1 million)
    • Monthly: Earn 1.60% AER /1.59% gross pa 5 (balances £500 to £1 million)
    • Secure a fixed rate of return over term

     

    One Year Bond Apply in Online Banking

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.

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. 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.

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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.


 

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