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Our Best ISAs

Tax-free savings up to £20,000

If you bank with us, you could open an ISA online in minutes.

To make the most of your 2017/18 tax allowance, simply top up your existing ISA or open a new one.

Tax rules may change and benefits to you depend on your personal circumstances.

Our current ISAs

Here are the ISAs you can currently open. You may find that previous cash ISAs have different interest rates. For more information, read our guide to ISA allowances and Lifetime ISAs .

Instant Cash ISA

Instant Cash ISA

  • 0.40% AER/tax-free pa  variable for balances of £1 to £14,999 1

    0.50% AER/tax-free pa  variable for balances of £15,000 to £29,999 1

    0.60% AER/tax-free pa  variable for balances of £30,000 1
  • Instant access to your money – through online, mobile and telephone banking or in branch 3
  • Open with £1 (£0 for transfers-in)
  • Transfer-in an existing ISA in just 3 steps

Apply in Online Banking

2 Year Flexible Cash ISA

2 Year Flexible Cash ISA

  • 0.75% AER/tax-free pa for balances of £1 to £1 million 1
  • 2-year fixed-rate term
  • Up to 3 withdrawals free of charge, each one up to 10% of the balance
  • Open with £1 (£0 for transfers-in)
  • Transfer-in an existing ISA for a limited period

Apply in Online Banking

2 Year Premier Flexible Cash ISA

  • 0.90% AER/tax-free pa. for balances of £1 to £1 million1
  • Only available to Premier customers
  • 2-year fixed-rate term
  • Up to 3 withdrawals free of charge, each one up to 10% of the balance
  • Open with £1 (£0 for transfers-in)
  • Transfer in an existing ISA for a limited period

Find a branch

 ISA

Help to Buy: ISA

  • 2.27% AER/2.25% tax-free pa variable1
  • Available to first-time home buyers only
  • Save up to £1,200 in the first calendar month, and up to £200 per calendar month afterwards
  • Receive a 25% government bonus on your savings
  • Instant access to your money – through online, mobile and telephone banking or in branch 3

Apply in Online Banking

Investment ISA

  • Take advantage of tax-efficient investing with Smart Investor
  • Protect your returns from income tax, tax on dividends and capital gains tax (CGT)
  • Hold cash until you’ve made your investment choices
  • You can get started with our Ready-made Investments, a low-cost and simple way to invest

The value of investments can fall as well as rise and you may get back less than you invest. Tax rules may change in the future and any benefits to you depend on your individual circumstances.

More ways to save

If a cash ISA isn't what you're looking for, we have other options for you to consider.

Savings

Savings

Looking to save but with more flexibility? See our range of savings accounts.

 

Bonds

Bonds

If you’re serious about saving, you can put your money away in one of our bonds for a fixed rate of return.

Investments

Investments

Want to invest but not sure where to begin? Smart Investor can help you start your portfolio with our Ready-made Investments.

The value of investments can fall as well as rise and you may get back less than you invest.

Important information

For cash ISAs, applicants must be resident in the UK for tax purposes. ISA rules may change. You must not have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA, during the same tax year.

Instant Cash ISA – Issue 1: to hold a cash ISA, you must be aged 16 years or over. Open with £1, or £0 for transfers-in.

Flexible Cash ISA – Issue 15 and Premier Flexible Cash ISA – Issue 2 : to hold a Flexible Cash ISA, you must be 18 years old. 3 withdrawals permitted, for up to 10% of the current balance each time. Rates are shown for end-of-term option. You can transfer-in up to 30 days from opening the ISA, and make additional payments up to your annual allowance each tax year throughout the term of the Flexible Cash ISA. Transfers-out are allowed before the maturity date, but only in full, or you can close your account early. Closures and transfers-out carry a charge of 180 days tax-free interest based on the balance at the time. For insufficient earned or accrued interest, the charge is taken from account funds and you could get back less than you deposited. These charges won’t apply if you are within your 14-day cancellation period or in cases of death and bankruptcy.

Instant Cash ISA – Issue 1 and Flexible Cash ISA – Issue 15 and Premier Flexible Cash ISA – Issue 2 are limited offers that may be withdrawn at any time. Terms and conditions apply.

Funds withdrawn from your cash ISA can be replaced in the same tax year without counting towards your annual ISA allowance. Please note that the tax year runs from 6 April to 5 April the following year.

1. 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. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

2. Your ISA allowance for the 2017/2018 tax year is £20,000. Annual allowances are subject to review and the government’s favourable treatment of ISAs may change.

3. Online, mobile and telephone banking are only available to Barclays current account holders who are registered for these services.