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Cash ISAs

Eat it all. Put your money in a cash ISA and you can have your cake and eat it too – without the taxman taking a slice.

Start using your new 2019/20 ISA allowance of £20,000 today

Our Cash ISAs

An ISA is an Individual Savings Account – it allows you to save money in a tax-efficient way, offering a sweeter way to save.

Here are the cash ISAs you can currently open – compare them to find one that’s right for you.

Instant Cash ISA

Tax-free savings, with instant access to your money.

  • Save up to £20,000 by 5 April 2020
  • Enjoy a variable rate of interest, with instant access to your money
  • Open with £1 and you can also Transfer-In existing cash ISAs

1-Year Flexible Cash ISA

Tax-free savings, with some access to your money.

  • Save up to £20,000 by 5 April 2020
  • Enjoy a fixed rate of interest on your money for one year
  • Make up to three withdrawals of up to 10% of your current balance during the term
  • Open with £1 or you can also Transfer-In existing cash ISAs for a limited period
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3-Year Flexible Cash ISA

Tax-free savings, with some access to your money.

  • Save up to £20,000 by 5 April 2020
  • Enjoy a fixed rate of interest on your money for three years
  • Make up to three withdrawals of up to 10% of your current balance during the term
  • Open with £1 or you can also Transfer-In existing cash ISAs for a limited period

Help to Buy: ISA

Help with saving towards your first home.

  • Get a 25% government bonus on amounts saved between £1,600 and £12,000 when you use your savings to buy your first home
  • Save up to £1,200 in the first calendar month, and up to £200 each calendar month afterwards
  • Open with £1

1-Year Premier Flexible Cash ISA

Exclusive to Barclays Premier customers. Tax-free savings, with some access to your money.

  • Save up to £20,000 by 5 April 2020
  • Enjoy a fixed rate of interest on your money for one year
  • Make up to three withdrawals of up to 10% of your current balance during the term
  • Open with £1 or you can also Transfer-In existing cash ISAs for a limited period

3-Year Premier Flexible Cash ISA

Exclusive to Barclays Premier customers. Tax-free savings, with some access to your money.

  • Save up to £20,000 by 5 April 2020
  • Enjoy a fixed rate of interest on your money for three years
  • Make up to three withdrawals of up to 10% of your current balance during the term
  • Open with £1 or you can also Transfer-In existing cash ISAs for a limited period

Remember, you can only pay into one cash ISA in the current tax year. You can also pay into an investment, innovative finance or lifetime ISA in the same tax year, provided your subscriptions doesn't exceed your 2019/20 ISA allowance of £20,000. If you subscribe to a Barclays Help to Buy: ISA you cannot pay into another cash ISA in the same tax year.

Barclays do not currently offer innovative finance or lifetime ISAs.

Considered an Investment ISA?

You could use some or all of your ISA allowance to invest for your future, with the benefit of any money your investments make being protected from tax.

Just be mindful that, unlike cash savings, the value of investments can fall as well as rise and you may get back less than you invest. Investments are generally only appropriate if you can commit your money for at least five years. Tax rules can also change, and their effects on you will vary depending on your individual circumstances.

More about our Investment ISA

Important information about ISAs

For ISAs, applicants must be resident in the UK for tax purposes.

Your ISA allowance for the 2019/2020 tax year is £20,000. ISA allowances are subject to review and the government’s favourable treatment of ISAs may change. You may only subscribe to one of each type of ISA in each tax year – cash, investment, innovative finance or lifetime ISAs; and your combined subscriptions may not exceed the ISA allowance for the given tax year. Funds withdrawn from your ISAs, excluding Help to Buy ISAs, can be replaced in the same tax year without counting towards your ISA allowance in that tax year. Please note that the tax year runs from 6 April to 5 April the following year.

‘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.

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.

Help to Buy: ISA - Issue 1: to hold a Help to Buy: ISA, you must be aged 16 years or over and not already own your own property. Open with £1, or £0 for transfers-in.

Premier 1-Year Flexible Cash ISA – Issue 7; Premier 3-Year Flexible Cash ISA - Issue 8: to hold one of these products, you must be a Barclays Premier customer aged 18 years old or over. You can open each product with £1. With each product, 3 withdrawals permitted, for up to 10% of the current balance each time. 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.

1-Year Flexible Cash ISA – Issue 20; 3-Year Flexible Cash ISA – Issue 21: to hold one of these products, you must be 18 years old or over. You can open each product with £1. With each product, 3 withdrawals permitted, for up to 10% of the current balance each time. 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.

Investment ISA: to hold an Investment ISA, you must be aged 18 years or over. Open with £1.

Instant Cash ISA - Issue 1, Help to Buy: ISA, Premier 1-Year Flexible Cash ISA – Issue 7, Premier 3-Year Flexible Cash ISA - Issue 8, 1-Year Flexible Cash ISA – Issue 20, 3-Year Flexible Cash ISA – Issue 21, and Investment ISA: these are limited offers that may be withdrawn at any time. Further account terms and conditions will apply.