Savings

* Gross is the rate of interest payable before the deduction of income tax. Interest is payable gross to non–taxpayers subject to their providing the required certification.
AER stands for Annual Equivalent Rate and 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 and capital gains tax provided all ISA conditions are met.

† Gross rate – interest is payable without the deduction of income tax to non–taxpayers subject to the required certification and for minimum investments of £50,000 for less than 5 years. Otherwise income tax will be deducted at the lower rate, but may be reclaimed by non–taxpayers.
AER - stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

† † Gross rate - is the rate of interest payable before the deduction of income tax. Interest is payable gross to non-taxpayers subject to their providing the required certification. Please note: This bond does not meet the criteria for a Qualifying Time Deposit (see clause 5 of the Barclays Savings Bond Terms and Conditions) and income tax will be deducted at the lower rate, but may be reclaimed by non-taxpayers.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

‡ ISA limit changes - As from 6 October 2009, cash ISA limits will increase from £3,600 to £5,100 for those customers who will be 50 or over on 5 April 2010 (ie anyone born on or before 5 April 1960).
The new limits will apply to all customers from 6 April 2010.

e-savings
An online savings account with a rate of 0.10% AER (0.10% gross pa*).

Barclays cash ISA
Our cash ISA lets you invest up to £3,600‡ each tax year without paying tax on the interest - and you have easy access to your money.

Savings Bonds
Our fixed rate savings bond gives you a fixed rate of interest for the term of the bond. You can open a savings bond with a minimum of £500. Please note that you can't withdraw your money during the term.

Instant access savings
With our instant access savings accounts you don't have to give notice to get your money. The interest rates reflect the way you save. Savings accounts include: e-savings account, MoreForMore Savings, and Barclays Cash ISA.

Savings for children
We have a range of savings accounts for your child or grandchild. Your choice will depend on their age and whether you want them to manage it themselves. Choose from Children's Savings, Barclayplus, Child Trust Fund or let us help you plan for Your Children's Future.

e-savings Reward
Available exclusively online, with a competitive rate of 1.26% AER (1.25% gross pa*) higher rate. 0.85% AER (0.85% gross) lower rate. Higher rate paid in months where no withdrawals are made.

Monthly Savings
Available to new and existing customers, Monthly Savings is a simple way to make regular savings. Just deposit between £20 and £250 a month by standing order for the 12 month term of the account and let us do the rest.