What interest rate does the Barclays Single Access 2-Year Flexible Bond pay?

The Barclays Single Access 2-Year Flexible Bond pays 4.40% AER, fixed for 2 years.

How much interest could I earn?

Saving £10,000 for 2 years would earn about £899 at 4.40% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1 and up to £1,000,000.

Can I withdraw my money?

No. Your money is locked in until the fixed term ends, so only put in what you won't need before then.

When is interest paid?

You can choose to have interest paid monthly or at the end of the term.

Who can open this account?

New and existing Barclays customers can open it. You can open it online, in branch, in the app or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other two-year fixed rate bonds?

At 4.40% AER it ranks 44th of 63 two-year fixed rate bonds we track. The best pays 5.16% and the average is 4.61%.

Dashboard

Fixed Rate

Barclays Single Access 2-Year Flexible Bond Review

A two-year fixed rate bond from Barclays. It ranks 44th of 63 two-year fixed rate bonds we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 2 years

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

At maturity only

Interest paid

Monthly/On maturity

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

See the switch offer

How It Stacks Up

Ranks 44th of 63

2-year fixed bonds we track

Below average

This account 4.40%

UK CPI (Aug 2026): 3.10%; Pays 1.30% more
Average 2-year fixed: 4.61%; Pays 0.21% less
Best 2-year fixed: 5.16%; Pays 0.76% less

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

Compare fixed bonds

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 2 years

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Estimated returns with Barclays' Fixed Rate

What you could earn with Barclays's Single Access 2-Year Flexible Bond.

Estimated interest

£1,000 saved

£89.94

At 4.4% AER

£5,000 saved

£450

At 4.4% AER

£10,000 saved

£899

At 4.4% AER

£1,000,000 saved

£89,936

At 4.4% AER

Estimated over the 24-month term, 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 Single Access 2-Year Flexible Bond

Jan WatermannCo-Founder, DepositScout

Barclays is offering 4.40% on this two-year fixed bond, which sits below the market average for fixed-rate accounts and 0.95% behind the current market leader at 5.35%, so you are paying a meaningful premium for the Barclays name. The rate does beat CPI inflation of 3.1% by 1.30%, which at least preserves real purchasing power. The key catch is that early closure is only permitted in exceptional circumstances, so this is genuinely locked money for two years. If you want a similar term with a better return, Kent Reliance's 2 Year Fixed Rate Bond is listed at 4.91%.

Compare Fixed Rate Bonds