Give your savings a shake

Compare cash ISAs

New tax year, new cash ISA

It’s a new tax year, so it’s a great time to open a cash ISA (Individual Savings Account).

You can pay up to £20,000 into a cash ISA 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. Plus, the moment you open a cash ISA with us, you won’t pay tax on any interest it earns.

Terms, conditions and ISA rules apply.

An ISA is an Individual Savings Account – it allows you to save money in a tax-efficient way. Compare our Cash ISA accounts to find one that’s right for you.

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.

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If you don't already bank with us, call us on 0345 744 5445⁴ to book an appointment to open an account in a branch. Due to popularity, the next available appointment may be a few weeks away.

Just so you know, unlike cash savings, the value of investments can fall as well as rise – you may get back less than you invest. Tax rules can change and any benefits to you depend on your personal circumstances.

Already have a flexible cash ISA with us?

If your fixed term is ending, check what you can do next.

Explore your options

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 year⁵	£ 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+) 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.	£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
1-Year Flexible Cash ISA	4.40% 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
2-Year Flexible Cash ISA	4.15% 2-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 1-Year Flexible Cash ISA Exclusively for Premier customers	4.50% 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 2-Year Flexible Cash ISA Exclusively for Premier customers	4.25% 2-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 1-Year Flexible Cash ISA Exclusively for Wealth Management clients	4.50% 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 2-Year Flexible Cash ISA Exclusively for Wealth Management clients	4.25% 2-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