Compare savings accounts | Our best savings accounts | Barclays (2025)

Table of Contents

How do you want to save? Investment ISA Ways to invest Ready-made Investments Smart Investor Important information References

Compare savings accounts | Our best savings accounts | Barclays (1)

You can start saving for your goals today

We have a range of savings and investment options for you to choose from. You can start today from £1.

Track and manage your savings online – so you’re always in control
Explore our savings accounts.

If you already bank with us, you can open your account in the Barclays app¹or Online Banking. If you’d like help applying in the app you canbook a video appointment.

You need to be 18 or over to access this product or service using the app. T&Cs apply.

Apply in Online Banking

If you don't bank with us, you can book an appointment at any of our branches.

Book an appointment

How do you want to save?

Whether you're saving for something big or small, or just a rainy day, we have a range of savings and investment options that could be right for you.

Savings Savings
Cash ISAs Cash ISAs
Bonds Bonds
Children's savings Children's savings
Investments Investments

Select

Savings

Instant-access savings are ideal if you want to get at your money quickly online, on your mobile, in person or over the phone.

Savings accounts	Rate % AER/gross per year²	£ minimum openingvalue	Accessing your money	Next steps
Rainy Day Saver For Barclays Blue Rewards members and Premier Banking customers only	5.12% AER/5.00% gross p.a. (£1-£5,000) 1.16% AER/1.15% gross p.a. (£5,000+)	£1	Instant access to withdraw, if you need to	View account Apply online
Everyday Saver	1.66% AER/1.65% gross p.a.²(£1 - £10,000) 1.16% AER/1.15% gross p.a.²(£10,000+) Interest rates are banded. This means that you’ll earn the higher rate on the first £10,000 of your balance and the lower rate on the additional balance over £10,000.	£1	Instant access to withdraw, if you need to	View account Apply online
Blue Rewards Saver For Barclays Blue Rewards members and Premier Banking customers only	3.56% AER/3.50% gross p.a. in months with no withdrawals 1.16% AER/1.15% gross p.a in months with one or more withdrawals	£1	Get instant access to your money and a higher interest rate in months where you don’t dip into your savings	View account Apply online
Reward Saver	2.75% AER/2.72%gross p.a. in months you don’t make withdrawals 1.00% AER/gross p.a. in months you do make withdrawals	£1	Get instant access to your money and a higher interest rate in months you don’t dip into your savings.	View account Apply online
Instant Cash ISA	1.66% AER/1.65% tax-free p.a.³(£1 - £10,000) 1.21% AER/1.20% tax-free p.a.³(£10,000+) Interest rates are banded. This means that you’ll earn the higher rate on the first £10,000 of your balance and the lower rate on the additional balance over £10,000.	£1³ (£0 for transfers-in)	Instant access to withdraw, if you need to	View account Apply online
Barclays Children's Savings Save for a child under 18	2.68% AER /2.65% gross p.a. (£1 - £10,000) 1.16%AER/1.15% gross p.a. (£10,000+) Interest rates are banded. This means that you'll earn 2.68% AER /2.65% gross p.a. interest on the first £10,000 of your balance and 1.16% AER/1.15% gross p.a on the additional balance over £10,000	£1	Instant access to withdraw, if you need to	View account

Cash ISAs

An ISA (Individual Savings Account) lets you save money in a tax-efficient way⁴.

Our Cash ISAs	Rate % AER/tax-free per year⁵	£ minimum opening	Accessing your money	Transferring an existing ISA to us
Instant Cash ISA	1.66% AER/1.65% tax-free p.a.³(£1 - £10,000) 1.21% AER/1.20% tax-free p.a.³(£10,000+) Interest rates are banded. This means that you’ll earn the higher rate on the first £10,000 of your balance and the lower rate on the additional balance over £10,000.	£1³ (£0 for transfers-in)	Anytime, withdraw if you need to⁶	Transfer-in an existing ISA in 3 easy steps	ISA details Apply online
1-Year Flexible Cash ISA	4.40% 1-year fixed-rate term (£1 to £1 million)³	£1³ (£0 for transfers-in)	Restricted, up to 3 withdrawals free of charge, each one up to 10% of the balance⁶	Limited period for transferring-in an existing ISA	ISA details Apply online
2-Year Flexible Cash ISA	4.15% 2-Year fixed-rate term (£1 to £1 million)³	£1³ (£0 for transfers-in)	Restricted, up to 3 withdrawals free of charge, each one up to 10% of the balance⁶	Limited period for transferring-in an existing ISA	ISA details Apply online
Premier 1-Year Flexible Cash ISA Exclusively for Premier customers	4.50% 1-year fixed-rate term (£1 to £1 million)³	£1³ (£0 for transfers-in)	Restricted, up to 3 withdrawals free of charge, each one up to 10% of the balance⁶	Limited period for transferring-in an existing ISA	View account Apply online
Premier 2-Year Flexible Cash ISA Exclusively for Premier customers	4.25% 2-Year fixed-rate term (£1 to £1 million)³	£1³ (£0 for transfers-in)	Restricted, up to 3 withdrawals free of charge, each one up to 10% of the balance⁶	Limited period for transferring-in an existing ISA	View account Apply online
Wealth 1-Year Flexible Cash ISA Exclusively for Wealth Management clients	4.50% 1-year fixed-rate term (£1 to £1 million)³	£1³ (£0 for transfers-in)	Restricted, up to 3 withdrawals free of charge, each one up to 10% of the balance⁶	Limited period for transferring-in an existing ISA	View account Apply online
Wealth 2-Year Flexible Cash ISA Exclusively for Wealth Management clients	4.25% 2-Year fixed-rate term (£1 to £1 million)³	£1³ (£0 for transfers-in)	Restricted, up to 3 withdrawals free of charge, each one up to 10% of the balance⁶	Limited period for transferring-in an existing ISA	View account Apply online

Compare savings accounts | Our best savings accounts | Barclays (2)

Investment ISA

Take advantage of tax-efficient investing.

Use your2024/2025ISA allowance of £20,000
Choose from thousands of investment opportunities
Don’t pay tax on any money your ISA makes
Make the most of Smart Investor, our online investing service that puts you in control

Investments can fall as well as rise in value. Tax rules can change and their effects on you would depend on your individual circumstances.

Explore Investment ISA

Bonds

Put your money away for a fixed rate of return – you’ll know exactly how much interest you’ll earn.

Our current bonds	Rate % gross per year/AER²	£ minimum opening	Accessing your money
1-Year Fixed-rate Bond	4.45% (£500 to £1 million)	£500	Restricted, no withdrawals until end of term (1-year)⁷,⁸	View account Apply online
2-Year Flexible Bond	4.15% (£1 to £1 million)	£1	Restricted, up to 3 withdrawals, each up to 10% of your initial deposit⁷,⁸	View account Apply online
Premier 2-Year Flexible Bond Exclusively for Premier customers	4.25% (£1 to £1 million)	£1	Restricted, up to 3 withdrawals, each up to 10% of your initial deposit⁷,⁸	View account Apply online
Wealth 2-Year Flexible Bond Exclusively for Wealth Management clients	4.25% (£1 to £1 million)	£1	Restricted, up to 3 withdrawals, each up to 10% of your initial deposit⁷,⁸	View account Apply online

Children's savings

Start saving for their future, from just £1.

Savings accounts	Rate % AER/gross per year²	£ minimum opening	Accessing your money
Barclays Children’s Savings Save for a child under 18	2.68% AER /2.65% gross p.a. (£1 - £10,000) 1.16%AER/1.15% gross p.a. (£10,000+) Interest rates are banded. This means that you'll earn2.68% AER /2.65% gross p.a. interest on the first £10,000 of your balanceand 1.16% AER/1.15% gross p.a on the additional balance over £10,000	£1	Anytime, withdraw if you need to⁷	View account

Investments

Ways to invest

Always remember that investments can fall in value. You may get back less than you invest.

Ready-made Investments

A straight-forward way to invest

Ready-made Investments

Smart Investor

To choose and manage your own investments from a range of funds, shares, ETFs and bonds, get started today by simply opening up an Investment (Stocks & Shares) ISA, Investment Account or SIPP Account with Smart Investor.

Smart Investor accounts

Important information

Online Banking, the Barclays app and Telephone Banking are only available if you’re registered to use these services.You need to be 18 or over to access this product or service using the app. ^{Return to reference}
‘Gross’ is the rate payable without tax taken off. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.^{Return to reference}
Your ISA allowance for the2024/2025tax year is £20,000. Annual allowances are subject to review and the government’s favourable treatment of ISAs may change.^{Return to reference}
For cash ISAs, applicants must be resident in the UK for tax purposes. ISA rules may change.In order to subscribe to a cash ISA, you can’t have or used your total annual ISA allowance in any combination of permitted ISAs during the same tax year.^{Return to reference}
‘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.^{Return to reference}
Online, mobile and telephone banking are only available to Barclays current account holders who are registered for these services.^{Return to reference}
Online Banking, the Barclays app and telephone banking are only available to Barclays current account holders who are registered for these services.^{Return to reference}
If your circumstances have changed significantly, perhaps due to illness, a relationship ending or financial difficulties, you might be able to access money in a savings account that doesn’t normally allow withdrawals.
You can ask us about this by calling 0345 744 5445. We’re here Monday to Friday 8am to 8pm and Saturday 9am to 5pm. Alternatively, you can send us a message from the ‘Help’ section in our app or Online Banking, or visit a branch.
To maintain a quality service, we may monitor or record calls. Due to popularity, the next available appointment in a branch may be a few weeks away. Call charges^{Return to reference}