2-Year Flexible Cash ISA

Tax-free savings with some access

Bank with us? You could open an ISA online in minutes.

Earn a fixed rate on your money, and have the flexibility to access some of your savings too. Save up to £20,000, tax-free in the 2017/2018 tax year1.

  • Fixed rate of 0.75% AER/tax-free per year2 for 2 years
  • Make 3 free withdrawals, each one of up to 10% of your current balance
  • Open with £1 (£0 for transfers-in) to £1 million
  • Transfer-in your existing ISA for a limited period

Summary box

Account name
2-Year Flexible Cash ISA - Issue 15

What is the interest rate?
Interest rates for balances of £1+, effective from 7 March 2017.

Interest option

Gross per year %

End of term
Gross per year %


(all interest options)

2-year term




Monthly and end of term interest payment options are available3.

End of term interest is compounded annually and added to the funds deposited in your ISA when it matures.

Monthly interest cannot be paid back into this ISA or directly into any other ISA or bond. It can be paid into a Barclays account in your name or held jointly with someone else, or it will be sent to you by cheque.

Can Barclays change the interest rate?

No, the interest rates are fixed for the 2-year term of the ISA.

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 branch or over the phone. Please see the ‘How to apply’ section below for more details.

You can open this ISA with £0 if it’s being funded by an ISA transfer-in, otherwise the minimum deposit is £1. The maximum is £1 million.


To apply for this cash ISA, you must:

  • Be aged 18 or above
  • Be resident in the UK for tax purposes
  • Open this ISA for yourself
  • Have a National Insurance number

To subscribe to a cash ISA, you can’t have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA, during the same tax year.

Can I withdraw money?

Yes, you can make 3 withdrawals during the term of the 2-Year Flexible Cash ISA - Issue 15. The maximum value per withdrawal on this cash ISA is 10% of your balance at the time the withdrawal is made.

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

If you need to, you may close the account or transfer-out the whole balance before the maturity date. This will result in a charge equivalent to 180 days’ tax-free interest based on the current balance at the time. If there’s insufficient interest (or where you have chosen the monthly interest payment frequency option) to cover the charge, we’ll take it from your account, so you may get back less than you deposited. The charge does not apply if your account is closed during the cancellation period, or due to death or bankruptcy.

You can access your funds and manage your account in branch, or using Online Banking, Barclays Mobile Banking or Telephone Banking – provided you’re registered. At the end of the 2-year term the 2-Year Flexible Cash ISA - Issue 15 will convert into an instant access variable rate cash ISA.

Additional information

Tax status: Tax-free. Interest is exempt from UK Income Tax provided all ISA conditions are met.

Our 2-Year Flexible Cash ISA - Issue 15 is a strictly limited offer and may be withdrawn at any time.

This account cannot be offset against a mortgage loan we have made to you.

Terms and conditions

For additional information, download our 2-Year Flexible Cash ISA - Issue 15 terms and conditions.

How to apply

There are different ways to apply, depending on whether or not you bank with us. You’ll need to have your National Insurance number to hand when you apply.

Register for Online Banking

Get quick and convenient access to your accounts.

More ways to save

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

Instant Cash ISA

Tax-free savings, with instant access to your money

You can take advantage of tax-free savings5 of up to £20,000 in the 2017/2018 tax year – and have access to your money whenever you want1.

Help to Buy: ISA

Help with saving towards your first home

Take advantage of tax-free6 savings and, when you buy your first home, you'll get a 25% government bonus on amounts saved between £1,600 and £12,000.

Instant-access savings

You could make your money grow through our current range of savings accounts

Start savings with as little as £1 through our range of instant-access savings accounts.