Instant Cash ISA
1.00% AER / 1.00% tax-free
- Rate type
- Variable
- Access
- Unlimited withdrawals
- Minimum
- Not published on the comparison page
- Withdrawals
- Unlimited, with no effect on the rate
Cash ISA
Barclays Cash ISA
Barclays runs the widest Cash ISA range on this site: two variable easy-access ISAs open to everyone, and five fixed-rate ISAs. The best rates are gated — the 4.50% fixed range is for Premier customers only, and the Reward ISA drops sharply in any month you take money out.
Last updated: 9 September 2026
At a glance
5 ISAs covered
- Seven Cash ISAs across variable and fixed
- Best fixed rates are Premier-only
- Barclays calls its fixed ISAs flexible
The accounts
Barclays Cash ISAs
Rates and terms as published by Barclays and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
Reward ISA
2.75% AER / 2.72% tax-free, falling to 0.85%
- Rate type
- Variable, withdrawal-linked
- Access
- Unlimited withdrawals
- Minimum
- Not published on the comparison page
- Withdrawals
- Allowed, but the rate drops to 0.85% for any month in which you withdraw
Single Access 1-Year Flexible Cash ISA
4.30% AER / tax-free
- Rate type
- Fixed for one year
- Access
- Limited withdrawals
- Minimum
- Not published on the comparison page
- Withdrawals
- Limited — check the account terms before applying
Single Access 2-Year Flexible Cash ISA
4.30% AER / tax-free
- Rate type
- Fixed for two years
- Access
- Limited withdrawals
- Minimum
- Not published on the comparison page
- Withdrawals
- Limited — check the account terms before applying
Premier Triple Access Flexible Cash ISA (1, 2 and 3 year)
4.50% AER / tax-free on all three terms
- Rate type
- Fixed for the term
- Access
- Limited withdrawals; Premier customers only
- Minimum
- Not published on the comparison page
- Withdrawals
- Limited — check the account terms before applying
The rules
Eligibility, transfers and protection
- Who can apply
- The 4.50% Premier range requires Premier Banking eligibility
- Access
- App, online, telephone and branches
- Transfers in
- Accepted, through Barclays' ISA transfer-in service
- Flexible ISA
- Barclays names its fixed ISAs "Flexible Cash ISA" — confirm what that permits on the account terms
- Deposit protection
- FSCS protected up to £120,000
- Headline rate
- 4.50% is the published 'up to' figure, and it is Premier-only
Before you commit an allowance
What to check first
- The 4.50% headline is for Premier customers. If you are not eligible for Premier Banking, the best fixed rate available to you is 4.30%.
- The Reward ISA's 2.75% only applies in months with no withdrawals. Take money out and that month pays 0.85% — read it as a no-touch account rather than an easy-access one.
- The Instant Cash ISA pays 1.00%, well below the rest of this range and below several easy-access ISAs elsewhere on the site.
- Barclays is running an ISA transfer incentive of £50 to £600 depending on the balance moved and the current account held — £50 at £10,000 with a Barclays current account, up to £600 at £100,000 with a Premier Current Account. The transfer-in request had a 25 November deadline when this page was checked, so confirm the offer is still open.
- Barclays rate pages render their tables in JavaScript. If you are checking these figures yourself, open the page in a browser rather than trusting a cached or scraped copy.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing Barclays's Cash ISA?
See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.