Cash ISA

Barclays Single Access 1-Year Flexible Cash ISA Review

A one-year cash ISA from Barclays. It ranks 25th of 47 one-year cash ISAs we track.

Fixed rate · 1 year

4.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Access

One withdrawal

Interest paid

Monthly/On maturity

Transfers in

Accepted

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

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How It Stacks Up

Ranks 25th of 47

1-year cash ISAs we track

Just above average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 1-year cash ISA
4.37%
About the same
Best 1-year cash ISA
4.92%
Pays 0.52% less

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

Compare cash ISAs

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want a monthly income
  • Pro: Flexible: take money out and put it back in the same tax year without using more allowance

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Estimated returns with Barclays' Cash ISA

What you could earn with Barclays's Single Access 1-Year Flexible Cash ISA.

Estimated interest

£1,000 saved

£44.00

At 4.4% AER

£5,000 saved

£220

At 4.4% AER

£10,000 saved

£440

At 4.4% AER

£1,000,000 saved

£44,000

At 4.4% 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.

Our Expert Opinion on Barclays Single Access 1-Year Flexible Cash ISA

Jonny PeaseCo-Founder, DepositScout

Barclays' Single Access 1-Year Flexible Cash ISA pays 4.40%, which sits below the market average for cash ISAs and is 0.72% behind the category leader at 5.12%, so I would not call this a standout rate. It does beat inflation by 1.30% against CPI of 3.1% (Aug 2026), which at least preserves real purchasing power. The critical catch is the single withdrawal rule: make more than one withdrawal and you lose the fixed-rate flexibility this account is built around. If you want something more competitive, the HL Cash ISA from the alternatives list pays 4.52%.

Compare Cash ISAs

2 alternatives to Barclays's Single Access 1-Year Flexible Cash ISA

Same type of account, closest on rate.

Common questions about the Single Access 1-Year Flexible Cash ISA

D

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4.20% AER
4.75%
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