1-Year Fixed-Rate Bond

Make more of your money by locking it away

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

Simply log in or register for Online Banking

If you don't yet bank with us or prefer to talk, give us a call on 0345 744 5445 1 or visit your nearest branch.

If you can set aside your money without access to it, you'll earn a fixed rate of interest on your savings.

  • 0.60% AER/gross p.a.2 for balances of £500 to £1 million
  • 1-year fixed-rate term, with no additional deposits or withdrawals
  • You can open with a minimum of £500, and a maximum of £1 million

Summary box

Account name

1-Year Fixed-Rate Bond - Issue 102.

What is the interest rate?

Interest rates for balances of £500+, effective from 17 May 2022.

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 year3.

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 102 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?

You can apply online, in the Barclays app, in branch or by calling 0345 744 5445 4.

Register for Online Banking

Get quick and convenient access to your accounts.

More ways to save

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

2-Year Flexible Bond

Earn a fixed rate of interest on your money

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

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