Fixed Rate

Barclays 1-Year Fixed-Rate Bond Review

A one-year fixed rate bond from Barclays. It ranks 49th of 69 one-year fixed rate bonds we track.

Fixed rate · 1 year

4.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£1,000,000

Access

At maturity only

Interest paid

Monthly

Barclays is also paying £300 to switch your current account.

See the switch offer

How It Stacks Up

Ranks 49th of 69

1-year fixed bonds we track

Below average
This account 4.25%
UK CPI (Aug 2026)
3.10%
Pays 1.15% more
Average 1-year fixed
4.47%
Pays 0.22% less
Best 1-year fixed
5.12%
Pays 0.87% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare fixed bonds

Pros and cons

  • Pro: Savers who want a monthly income
  • Con: Your money is locked in for 1 year

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Estimated returns with Barclays' Fixed Rate

What you could earn with Barclays's 1-Year Fixed-Rate Bond.

Estimated interest

£1,000 saved

£42.50

At 4.25% AER

£5,000 saved

£212

At 4.25% AER

£10,000 saved

£425

At 4.25% AER

£1,000,000 saved

£42,500

At 4.25% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Barclays 1-Year Fixed-Rate Bond

Jonny PeaseCo-Founder, DepositScout

Barclays' 1-Year Fixed-Rate Bond pays 4.25%, which is below the market average for fixed-rate accounts and 1.10% behind the category leader at 5.35%, so this is not where rate-chasers should be looking. It does beat August 2026 CPI of 3.1% by 1.15%, meaning your money grows in real terms, which suits cautious savers who prioritise the Barclays name over maximising returns. The genuine catch is no access until maturity, with early closure only in exceptional circumstances. OakNorth Bank's Fixed Term 12 Months offers 4.96% if the rate gap matters to you.

2 alternatives to Barclays's 1-Year Fixed-Rate Bond

Same type of account, closest on rate.

Common questions about the 1-Year Fixed-Rate Bond

D

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