Cash ISA

Barclays Single Access 2-Year Flexible Cash ISA Review

A two-year cash ISA from Barclays. It ranks 26th of 44 two-year cash ISAs we track.

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

One withdrawal

Interest paid

Monthly/On maturity

Transfers in

Accepted

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

See the switch offer

How It Stacks Up

Ranks 26th of 44

2-year cash ISAs we track

Below average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 2-year cash ISA
4.50%
Pays 0.10% less
Best 2-year cash ISA
5.05%
Pays 0.65% 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

Please verify all details with the provider – see our Disclaimer

See all Barclays accounts

Estimated returns with Barclays' Cash ISA

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

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.

Our Expert Opinion on Barclays Single Access 2-Year Flexible Cash ISA

Jan WatermannCo-Founder, DepositScout

Barclays is offering 4.40% on this two-year flexible Cash ISA, which beats CPI inflation of 3.1% by 1.30%, but sits below the market average for Cash ISAs and 0.72% behind the category leader at 5.12%. The single withdrawal allowance is the real constraint here: if you need your money more than once during the two years, you are out of luck, so this suits someone who is confident they can leave the bulk of their savings untouched. If you want flexibility at a similar rate, the Hargreaves Lansdown HL Cash ISA currently pays 4.52% and is worth a look.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the Single Access 2-Year Flexible Cash ISA

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Barclays rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time