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.

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.

Set your money aside for a fixed return, knowing you can still access some of it if you need to.

  • Earn 0.90% gross p.a./AER2 for balances of £1 to £1 million
  • Make up to 3 free withdrawals online, in branch or over the phone3 – each up to 10% of your initial deposit4
  • You can open this account with as little as £1

Summary box

Account name

2-Year Flexible Bond - Issue 51.

What is the interest rate?

Interest rates for balances of £1+, effective from 17 May 2022.

Interest option

Interest option

Monthly Gross p.a. %

Annual Gross p.a. %

End of term Gross p.a. %

AER % (All interest options)

2-Year term





Monthly, annual and end of term interest payment options are available.

Monthly and annual 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 and annual 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. So, 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 2-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

Deposit amount

Monthly (Estimated value at the end of the term)

Annual (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.

Manage your account in branch, using Online Banking, our app or Telephone Banking - provided you're registered.

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


To apply for this Flexible Bond, you must

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

Can I withdraw money?

Yes, you can make three 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

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 2-Year Flexible Bond - Issue 51 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 1.

Register for Online Banking

Get quick and convenient access to your accounts.

More ways to save

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

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.

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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.


Your new ISA allowance is here

Make the most of your 2022/2023 tax-free ISA allowance. Pay into your existing cash ISA – or open a new one today with as little as £1.