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Premier 18-Month Flexible Bond

Lock in a great rate for a fixed term on a lump sum balance, with some access to your money

You must be a Barclays Premier customer. If you already bank with us, one of the quickest ways to open this account is in the Barclays app1 or Online Banking. Simply log in or register for Online Banking.

Lock in a great rate for a fixed term on a lump sum balance, with some access to your money
  • Only available to Barclays Premier customers
  • Fixed rate of 4.45% AER / gross per year2,3
  • Make up to three withdrawals, each one of up to 10% of your initial deposit45
  • Open and manage your account using our app, Online Banking1, by phone or in a branch
  • Open with a lump sum deposit. No additional deposits allowed
Info
Already have a bond with us?

If your term is ending, there are ways you can keep earning fixed interest.

Find out how

Summary box

Account name

Premier 18-Month Flexible Bond - Issue 45.

What is the interest rate?

Interest rates for balances of £1+, effective from 10 January 2024

Interest option

Monthly

Gross p.a. %

End of term

Gross p.a. %

AER %

(All interest options)

18-Month term

4.45

4.45

4.45

Monthly and end of term interest payment options are available.

Monthly interest will be paid into your nominated Barclays account (this must be in the name of one or more Flexible Bond holders) or will be paid to you by cheque.

As monthly interest is paid into your nominated account, the interest does not compound in your bond.

End-of-term interest is paid to your bond at maturity.

For terms of more than one year the actual interest that you receive at the end of the term will be higher as it includes compounding from year to year.

Tax liability on interest applies in the tax year it is paid, which may be different to the tax year(s) in which it is accrued. This means If you choose end of term interest, you’ll receive all of your interest in one tax year and you could reach or exceed your Personal Savings Allowance more quickly in that tax year.

Can Barclays change the interest rate?

No, the interest rates are fixed for the 18-Month term of the bond.

What would the estimated balance be at the end of the term based on a £1,000 deposit?

Deposit amount

Monthly

(Estimated value at the end of the term)

End of term

(Estimated value at the end of the term)

£1,000

£1,066.75

£1,067.74

How do I open and manage my account?

You can open an account online, in the Barclays app, in branch or over the phone. Please see the ‘How to apply’ section below for more details.

You can manage your account in branch, or using Online Banking, the Barclays app or Telephone Banking – provided you’re registered.

You can open this bond with £1 – the maximum balance is £1 million.

Eligibility

To apply for this bond, you must

  • Be a Premier Banking customer and be aged 18 or above
  • Be aged 18 or above
  • Be resident in the UK

Already have a current account with us?

Upgrade to a Premier Current Account now. Premier Banking is subject to eligibility.

Can I withdraw money?

You can make 3 withdrawals during the term of the bond. The maximum value per withdrawal is 10% of your initial investment into the bond.

You can access your funds and manage your account in branch, or using Online Banking, the Barclays app or Telephone Banking – provided you’re registered.

We’ll contact you again before your bond matures to find out what you’d like to do next.

Additional information

Interest is paid gross. If you’re a UK taxpayer, you may have to pay tax on interest earned in excess of your Personal Savings Allowance – for information and guidance please refer to HMRC’s website. It’s your responsibility to ensure that any tax due on interest payments received is paid to the appropriate tax authority.

Our Premier 18-Month Flexible Bond - Issue 45 is a strictly limited offer exclusive to Premier Banking customers, and may be withdrawn at any time.

Additional deposits are not allowed at any time during the term of the Bond, although a bond holder may acquire additional bonds subject to availability.

Terms and conditions

For additional information, please download

  • Our Premier 18-Month Flexible Bond - Issue 45 terms and conditions [PDF, 138KB].
  • The full product details [PDF, 197KB]
  • Availability of the Premier 18-Month Flexible Bond - Issue 45 is limited and can be withdrawn at any time.

How to apply

Already bank with us?

You must be a Premier customer to open this account.

One of the quickest ways to open this account is in our app or Online Banking. Alternatively, call us on 0345 744 54456 to open by phone or to book an appointment to open in a branch.

New to Barclays?

You must be a Premier customer to open this account.

Call us on 0345 744 54456 to book an appointment to open an account in a branch. You’ll need proof of ID and address.

Register for Online Banking

Open and manage your accounts online.

More ways to save

If our Premier Flexible Bond isn't what you’re looking for, take a look at some of our other savings accounts.

Fixed-rate savings bonds

If you’re serious about saving, grow your money with a fixed rate for a fixed term and know exactly how much interest you’ll earn.

Savings accounts

Explore our full range of savings options and pick the products that are right for you.