Give your savings a shake

Compare cash ISAs

Find the right ISA for you

ISAs can help you save in a tax-efficient way, as you won’t need to pay tax on any interest it earns (subject to ISA rules).

You can pay up to £20,000 into a cash ISA (Individual Savings Account) this tax year. You don’t have to pay in the full £20,000 over the tax year, or pay it in one go – just what you can, when you can. For more information, read our Guide to ISAs.

Terms, conditions and ISA rules apply.

What’s changed for the 2024/2025 tax year

From 6 April 2024, cash ISAs are only available to customers aged 18 and over.

If you’re 18 or over, you can open and pay into more than one cash ISA in the same tax year with different providers.

However, you can only pay into one cash ISA with us each tax year right now. You can still open and pay into cash ISAs with different providers, as long as you don’t pay in more than £20,000 across all the ISAs you have.

If you already have an Instant Cash ISA with us, you can still pay money into it as long as you don’t go over your annual ISA allowance and you don’t pay into more than one cash ISA in the tax year.

To make the most of your 2024/25 ISA allowance¹, simply top up your existing ISA or open a new one.

If you already bank with us, you can open or top up an ISA in the Barclays app² or Online Banking³. If you’d like help applying in the app you can book a video appointment.

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If you don't bank with us, you can book an appointment at any of our branches. You’ll need proof of your identity and address.

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Compare cash ISAs

Here are the accounts you can currently open – compare them to find one that’s right for you. You may find that previous savings accounts have different interest rates. For more information, read our guide to ISA allowances and Lifetime ISAs .

Cash ISAs	Rate % AER/tax-free per year⁴	£ minimum opening value	Accessing your money	Transferring an existing ISA to us	Next steps
Instant Cash ISA	1.66% AER/1.65%tax-free p.a.¹ (£1 - £10,000) 1.21% AER/1.20% tax-free p.a.¹ (£10,000+) From 2nd December 2024 interest rates will be 1.51% AER/1.50% gross p.a.¹ (£1 - £10,000) 1.16% AER/1.15% gross p.a.¹ (£10,000+) Interest rates are banded until 12^th February 2025. 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. From 13^th February 2025 interest rates will be 1.26% AER/1.25% tax-free p.a.¹	£1¹ (£0 for transfers-in)	Instant access to withdraw, if you need to	Transfer-in an existing ISA in 3 easy steps	View account Apply online
Reward ISA	2.75% AER/2.72% tax-free p.a. in months you don’t make withdrawals 0.85% AER/tax-free p.a. in months you do make withdrawals	£1 (£0 for transfers-in)	Get instant access to your money and a higher interest rate in months you don’t dip into your savings.	Transfer-in an existing ISA in 3 easy steps	View account Apply online
18-Month Flexible Cash ISA	3.60% 18-Month fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account Apply online
Premier 1-Year Flexible Cash ISA Exclusively for Premier customers	3.95% 1-year fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account Apply online
Premier 18-Month Flexible Cash ISA Exclusively for Premier customers	3.65% 18-Month fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account Apply online
Wealth 1-Year Flexible Cash ISA Exclusively for Wealth Management clients	3.95% 1-year fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account Apply online
Wealth 18-Month Flexible Cash ISA Exclusively for Wealth Management clients	3.65% 18-Month fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account Apply online
1-Year Flexible Cash ISA	3.90% 1-year fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account Apply online

Terms, conditions and ISA rules apply. Investments can fall as well as rise, so you might not get back what you invest.

More ways to save

For cash ISAs, applicants must be resident in the UK for tax purposes. ISA rules may change. You must not have or used your total annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA, during the same tax year.

Instant Cash ISA – Issue 1: to hold a cash ISA, you must be aged 18 years or over. Open with £1, or £0 for transfers-in.

Flexible Cash ISAs: to hold a Flexible Cash ISA, you must be 18 years old. 3 withdrawals permitted, for up to 10% of the current balance each time. Rates are shown for end-of-term option. 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.

Instant Cash ISAs and Flexible Cash ISAs are limited offers that may be withdrawn at any time. Terms and conditions apply.

Funds withdrawn from your cash ISA can be replaced in the same tax year without counting towards your annual ISA allowance. Please note that the tax year runs from 6 April to 5 April the following year.

Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.

Registered office for all: 1 Churchill Place, London E14 5HP