Protection
FSCS£120,000
Min balance
£1
Max balance
£10,000,000
Access
Instant
Interest paid
Monthly
Transfers in
Accepted
Barclays is also paying £300 to switch your current account.
Rate Tiers
No withdrawals that month
Higher rate applies when no withdrawals or ISA transfers-out are made since last interest payment
1+ withdrawal(s) that month
Lower rate applies when one or more withdrawals or ISA transfers-out are made since last interest payment
How It Stacks Up
Ranks 80th of 137
Cash ISAs we track
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.35% less
- Average cash ISA
- 2.98%
- Pays 0.23% less
- Best cash ISA
- 4.87%
- Pays 2.12% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.60%
AER
- Pays 1.85% more than this Barclays account
- Includes a 1.00% bonus for 12 months, then 3.60%
We may earn a commission if you open this account.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want instant access
- Pro: Savers who want a monthly income
Worth Weighing Up
- Con: The rate is variable, so it can go down
Good to Know
Account can be opened and managed via the Barclays app or Online Banking; branch appointments are also available. Minimum deposit is £1, with a maximum account limit of £10 million.
Please verify all details with the provider – see our Disclaimer
See all Barclays accounts
