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Savings

Savings

 1.
You can filter your savings options by selecting the groups below: (Options per category are shown in brackets)

After choosing your option your results will appear below.

 2.
Selected Category: Regular savings

  • Monthly savings

    Monthly Savings

    Monthly Savings is our regular savings plan that allows you to save regularly over 12 months. Higher interest rates are paid where no withdrawals have been made in the previous month.

    • Looking to start a regular savings accounts? This one's ideal
    • Save £20 to £250 a month over 1 year
    • Earn high fixed interest of up to
       3.25% AER / 3.20% gross pa   1 in months when no withdrawals are made
    Monthly Savings

Consider these options

Foundation funds

Foundation ISA

  • Low-cost investment ISA with no initial charge (other charges apply), designed for all kinds of investors
  • Five funds to choose from

 

Find out more
ISA saver

ISA Saver – Issue 1

  • 2.02% AER / 2.00% tax-free pa  (variable) 3
  • Instant access
  • Open from £1

Transfers-in from other ISAs are not permitted

 

Find out more

Need help with jargon?

Here are the five definitions that we think you'll find most helpful.

AER

The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year. If you have an account that pays interest monthly or quarterly you will only get the full AER rate if you leave the interest in the account for the entire year. Use the AER to compare rates on different accounts and decide which one works best for you.

Monthly interest

Most savings accounts will pay interest monthly. For monthly paying interest, the gross p.a. figure will be less than the AER to allow for compounding. For interest paid annually, the gross p.a. figure will be the same as the AER figure.

Gross pa

The amount of interest paid on an account before the deduction of income tax. Like the AER, you can use the gross pa figure to compare different savings accounts and decide which one works best for you.

Variable rate

A rate of interest that can go up or down throughout the lifetime of the savings account.

Tiered interest rate

As your balance grows the interest rate applicable may increase to a higher rate.

Other terms you're not sure of? See our Savings Jargon Buster

Important information
1. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.
 
2. 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 the individual taxpayer.
 
3. Open from £1. Rates are variable. Interest is paid monthly on the first working day of the month. Rates include a fixed-rate introductory bonus of 0.50% tax-free pa. The bonus is payable for 12 months from the date you open your account, after which time the rates will reduce accordingly. We may withdraw the availability of ISA Saver – Issue 1, or withdraw or change the bonus offer, at anytime without notice. This would only apply to new accounts opened from that time.
 
4. Your annual ISA allowance is £10,680 in the 2011/2012 tax year. Of this, up to the first £5,340 can be saved in a cash ISA with one provider. All of your allowance or the remainder can be saved in a stocks and shares ISA. The value of tax relief depends on individual circumstances. Annual limits are subject to review. The Government's favourable tax treatment of ISAs may not be maintained.
 
5. Gross rate: Interest is payable without the deduction of income tax to non-taxpayers subject to the required certification and for Fixed Rate Savings Bonds £50,000 or more, opened on or before 5th April 2012, which meet the Qualifying Time Deposit criteria (see clause 5 of the Savings Bond Terms and Conditions for full details). Otherwise, income tax will be deducted at the basic rate. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
 
6. We may withdraw or change the bonus offer at any time without notice. This would only apply to new accounts opened from that time.
 
7. Rates shown are for 18 Month Flexible Bond Issue 8 and Four Year Flexible Bond Issue 9 and interest paid end of term. Monthly interest option also available for the 18 month term, while monthly and annual interest options are available for the 4 year term. Rates are fixed for the term, although withdrawals could take the balance into a lower tier. 

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Barclays Bank PLC. Registered in England. Barclays Bank PLC is authorised and regulated by the Financial Services Authority (FSA). Registered No 1026167. Barclays Insurance Services Company Limited is authorised and regulated by the FSA. Registered No 973765. Registered Office for both: 1 Churchill Place, London, E14 5HP. "The Woolwich" and "Woolwich" are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed and regulated by the Office of Fair Trading for the provision of credit products to consumers and related services. Further details can be found at www.lendingstandardsboard.org.uk


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