ISAs have improved in recent years, making them even more flexible to suit your savings and investment needs. See the Cash ISA options from Barclays.
Barclays Cash ISAs

Barclays Cash ISAs

ISAs have improved in recent years, making them even more flexible to suit your savings and investment needs.

  • The amount you can save in your ISA is £20,000 for the 2017/18 tax year
  • You can split your allowance between a cash, innovative finance and a lifetime ISA.1 However, with a lifetime ISA, you can only pay in up to £4,000 of your £20,000 ISA allowance.
  • You can transfer from an investment ISA into a cash ISA or Innovative Finance ISA - and vice versa.
  • What’s more, we’re now giving you more flexibility with your cash ISA savings, so you can replace any withdrawn funds, within the same tax year, without it counting towards your annual ISA allowance

We can help you make the most of your ISA allowance so you can make your money work harder.

Remember though, the value of investments can fall as well as rise and you may get back less than you invest. Investing is not for everyone and if you’re unsure, please seek independent advice. Barclays does not give advice.

Cash as part of your portfolio

If you intend to hold cash as part of your portfolio for a period of time, then you should consider a cash ISA from Barclays. The interest rates available depend on the amount you would like to hold, and the period of time you’re prepared to hold it for. Here are some options:

Instant Cash ISA - Issue 1

  • Top up to your ISA allowance limit each tax year until the end of the term
  • Save up to £20,000 in the 2017/2018 tax year
  • Earn up to 0.60% AER/0.60% tax free per annum (based on balances of £30,000 and over)
  • Instant access to your cash
  • Accepts transfers in.
  • Transfer in an ISA in just 3 steps

Amount

Interest rate (AER)

Tax free pa variable

£1 to £14,999

0.40%

0.40%

£15,000 to £29,999

0.50%

0.50%

£30,000 and over

0.60%

0.60%

Find out more about the Barclays Instant Cash ISA


2 Year Flexible Cash ISA - Issue 15

  • 2 year fixed-rate term
  • 0.75% AER/tax free for balances of £1 to £1 million
  • Top up to your ISA allowance limit each tax year until the end of the term
  • Up to 3 withdrawals free of charge, each of up to 10% of the current balance
  • Replace any withdrawn funds, within the same tax year, without it counting towards your annual ISA allowance
  • Transfer in your existing ISAs for a limited period

Amount

Interest rate (AER)

Tax free pa variable

£1 to £1m

0.75%

0.75%

Find out more about the Barclays Flexible Cash ISA


2 Year Premier Flexible Cash ISA - Issue 2

  • 2 year fixed-rate term
  • 0.90% AER/tax free for balances of £1 to £1 million
  • Top up to your ISA allowance limit each tax year until the end of the term
  • Up to 3 withdrawals free of charge, each of up to 10% of the current balance
  • Replace any withdrawn funds, within the same tax year, without it counting towards your annual ISA allowance
  • Transfer in your existing ISAs for a limited period

Amount

Interest rate (AER)

Tax free pa variable

£1 to £1m

0.90%

0.90%

Find out more about the Barclays Premier Flexible Cash ISA


Help to Buy: ISA

  • 2.27% AER/2.25% tax free
  • Available to first-time home buyers only
  • Save up to £1,200 in the first calendar month, and up to £200 per calendar month afterwards
  • Receive a 25% government bonus on amounts saved between £1,600 and £12,000 subject to Help to Buy: ISA scheme rules
  • Instant access to your money - through online, mobile and telephone banking or in branch

Find out more about the Help to Buy ISA

1 Barclays does not offer an innovative finance ISA or a lifetime ISA

AER (Annual Equivalent Rate): Illustrates what the interest rate would be if interest was paid and compounded once each year.

Tax-free: Indicates that interest earned on cash held in an ISA is not subject to UK Income Tax and will be paid gross, provided that all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on your personal circumstances.

Applicants must be resident in the UK for tax purposes. ISA rules may change. You must not have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA during the same tax year.

Instant Cash ISA - Issue 1: To hold a cash ISA, you must be aged 16 years or over. Open from £1 or with nil balance if you are transferring in previous cash ISA balances.

Flexible Cash ISA - Issue 15: To hold a Flexible Cash ISA, you must be 18 years old or over. You can make a maximum of 3 withdrawals, of up to 10% of the current balance each time. You can transfer money in from another ISA within 30 calendar days of opening, and make additional payments up to your annual allowance throughout the term of your Flexible Cash ISA.

Premier Flexible Cash ISA - Issue 2: To hold a Premier Flexible Cash ISA, you must be a Premier customer aged 18 years old or over. You can make a maximum of 3 withdrawals, of up to 10% of the current balance each time. You can transfer money in from another ISA within 30 calendar days of opening, and make additional payments up to your annual allowance throughout the term of your Premier Flexible Cash ISA.

You may transfer your balance to another ISA or withdraw your full balance and close your account before the end of term, however in both cases you will be charged 180 days' tax free interest (based on your balance at the time). If you have not accrued enough interest to cover this charge, it will be deducted from your balance - so you may end up with less than you originally deposited.

The above Cash ISAs are limited offers that may be withdrawn at any time. Further terms and conditions will apply.

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