Barclays ISA rates

How Barclays' ISA rates compare

Barclays' highest easy access rate is 2.75% AER, on its Reward ISA. The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Barclays ISA

Premier Triple Access 2-Year Flexible Cash ISA (Issue 5)

Three withdrawals allowed during the term, each up to 10% of the balance at the time. Closing or transferring out early costs 180 days' interest.

Premier Triple Access 3-Year Flexible Cash ISA (Issue 4)

Three withdrawals allowed during the term, each up to 10% of the balance at the time. Closing or transferring out early costs 270 days' interest.

Premier Triple Access 1-Year Flexible Cash ISA (Issue 5)

Three withdrawals allowed during the term, each up to 10% of the balance at the time. Closing or transferring out early costs 90 days' interest.

Single Access 2-Year Flexible Cash ISA (Issue 6)

One withdrawal allowed during the term, up to 10% of the balance. Closing or transferring out early costs 180 days' interest.

Single Access 1-Year Flexible Cash ISA (Issue 6)

One withdrawal allowed during the term, up to 10% of the balance. Closing or transferring out early costs 90 days' interest.

Reward ISA

Instant access, but a withdrawal or transfer out in a month drops that month's interest to the lower rate. Flexible ISA.

Instant Cash ISA (Issue 1)

Instant access with no notice. Flexible ISA: money put back in the same tax year doesn't use extra allowance.

Transferring an ISA to or from Barclays

All 7 of Barclays' adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Barclays

• If you already bank with Barclays, you can open a cash ISA and transfer an existing ISA in through the Barclays app, Online Banking, over the phone or in a branch.
• The Barclays cash ISAs guide says that if you do not bank with Barclays yet, you need to book a branch appointment to open one of its cash ISAs.
• Barclays does not allow an Innovative Finance ISA or a Lifetime ISA to be transferred into a cash ISA.
• Money paid into an ISA in the current tax year must be transferred in full, while you can choose to move only part of the money paid in during previous years.
• A transfer in to a Barclays Flexible Cash ISA has to be made within the first 30 days of opening it.
• The Instant Cash ISA (Issue 1) accepts transfers in from other ISAs at any time, with no limit on how many transfers can be made.

How long a transfer takes

Barclays says a transfer in from another provider can take up to 15 working days, and you start earning interest once it has completed the transfer. Once a new provider asks, the Barclays Flexible Cash ISA terms say it sends the money within 5 working days, unless there is a reason to stop the transfer. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Barclays

A Barclays Flexible Cash ISA can only be transferred out in full, and a transfer before the maturity date carries a charge. The charge is 90 days of tax-free interest for a 1 year term, 180 for 2 years, 270 for 3 years, 320 for 4 years and 365 for 5 years. Barclays says the charge could mean you get back less money than you paid into the ISA. You can move a Cash ISA from Barclays to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Barclays' own website on 9 October 2026.

Is the Barclays ISA flexible?

All 7 of Barclays' adult Cash ISAs are flexible, so you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

Premier Triple Access 2-Year Flexible Cash ISA (Issue 5)

For Barclays Premier customers only. A transfer reward of up to £600 for moving in £10,000 or more from another provider by 25 November 2026.

Premier Triple Access 3-Year Flexible Cash ISA (Issue 4)

For Barclays Premier customers only. A transfer reward of up to £600 for moving in £10,000 or more from another provider by 25 November 2026.

Premier Triple Access 1-Year Flexible Cash ISA (Issue 5)

For Barclays Premier customers only. A transfer reward of up to £600 for moving in £10,000 or more from another provider by 25 November 2026.

Single Access 2-Year Flexible Cash ISA (Issue 6)

Current account holders get a £50 to £200 transfer reward (Premier up to £600) for moving in £10,000 or more from another provider by 25 November 2026.

Single Access 1-Year Flexible Cash ISA (Issue 6)

Current account holders get a £50 to £200 transfer reward (Premier up to £600) for moving in £10,000 or more from another provider by 25 November 2026.

Reward ISA

For UK residents aged 18 or over. The app and Online Banking need a Barclays login; otherwise book a branch appointment.

Instant Cash ISA (Issue 1)

For UK residents aged 18 or over. The app and Online Banking need a Barclays login; otherwise book a branch appointment.

About Barclays

Legal name

Barclays Bank UK PLC

Country of incorporation

England

Principal place of business

London, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)

Deposit protection

FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank

Complaints

Financial Ombudsman Service

This page covers Barclays' Cash ISAs only. We have no commercial relationship with Barclays, and the order of the table is set by rate alone. See how we compare and how we make money.