1-Year Fixed-Rate Bond

Grow your money by locking it away to secure a great rate

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.

If you don't already bank with us, call us on 0345 744 54452 to book an appointment to open an account in a branch. Due to popularity, the next available appointment may be a few weeks away.

Lock in a great fixed rate for a fixed term

  • Fixed-rate of 4.65% AER/gross per year3
  • 1-year term, with no additional deposits or withdrawals4
  • Open and manage your account using our app, Online Banking, by phone1 or in a branch
  • Open with a lump sum deposit from £500
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

1-Year Fixed-Rate Bond - Issue 115.

What is the interest rate?

Interest rates for balances of £500+, effective from 10 January 2024.

Interest option

gross p.a. %

End of term
gross p.a. %

AER % (all interest options)

1-year term




Monthly and end of term interest payment options are available – monthly interest will be paid into your Barclays account (this must be in the name of one or more bond holders) or will be paid to you by cheque.

If you choose end of term interest, you’ll receive all of your interest in one tax year. This means you could reach or exceed your Personal Savings Allowance more quickly in that tax year5.

Tax liability on interest applies in the tax year it is paid, which may be different to the tax year(s) in which interest has accrued.

Can Barclays change the interest rate?

No, the interest rate is fixed for the 1-year term of the bond.

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

Deposit amount

(Estimated value at the end of the term)

End of term
(Estimated value at the end of the term)




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 an account with £500 to £1 million.


To apply for this bond, you must

  • Be aged 18 or above
  • Be resident in the UK

Can I withdraw money?

No, withdrawals or transfers to other accounts are not allowed during the term of the bond. You can open additional bonds if they are available.

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

Additional information

In accordance with UK tax legislation, from the 6 April 2016, 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 1-Year Fixed-Rate Bond - Issue 115 is a strictly limited offer 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

How to apply

There are different ways to apply, depending on whether or not you bank with us.

Already bank with us?

One of the quickest ways to open this account is in our app1 or Online Banking. Alternatively, call us on 0345 744 54452 to open by phone or to book an appointment to open in a branch.

Register for Online Banking

Open and manage your accounts online.

More ways to save

If this fixed bond isn't what you’re looking for, we have other options for you to consider.

18-Month Flexible Bond

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

If you already bank with us, one of the quickest ways to open this account is in the Barclays app6 or Online Banking. Simply log in or register for Online Banking.


Premier exclusives, savings and investments

Get exclusive rates with your Premier account

Whether it’s for rainy days, dream holidays, or your future, there’s always something to save for. Our range of savings and investment options are designed to help you get there.


Earn tax-free interest with instant access to your whole balance. Make the most of your 2024/2025 ISA allowance of £20,000 and feel good about saving.