Short term savings

If you don’t want your cash locked up long-term but still want to earn interest, take a look at our range of short-term savings accounts. Whether you're saving for a summer break or for something bigger, we'll help you make the most of your money. Just choose whether you want fixed term or instant access short-term savings.

Account	Open from	Savings rate (variable rate)	Access	You could
e-savings	£1	from 0.10% AER / 0.10% gross p.a.*	Instant (online only)	or Find out more
e-savings Reward	£1	1.26% AER / 1.25% gross p.a. (higher rate) and 0.85% AER / 0.85% gross p.a. (lower rate) in months where a withdrawal has been made‡	Instant	or Find out more
1 Year Fixed Rate Savings Bond - Issue 49	£500	2.00% AER/gross p.a.‡‡ (End of term interest)	None during term	or Find out more
MoreForMore Savings	£1	from 0.50% AER / 0.50% gross p.a. up to 1.25% AER / 1.24% gross p.a.	Instant	or Find out more
Monthly Savings	£1	4.25% AER / 4.17% gross p.a. (higher rate) and 3.03% AER / 2.99% gross p.a. (lower rate) in months where a withdrawal has been made	Instant	or Find out more

Offshore and international savings accounts
For non-UK residents and non-UK nationals, a range of short-term savings solutions in a choice of currencies, including sterling, US dollar or euros.

What are the alternatives?
If you're happy with risking your money for potentially higher returns, you could consider our:
Investment ISA

Don't miss out on your ISA
Make the most of your annual tax-free** savings entitlement with an ISA from Barclays.
Find out more about ISAs

Instant access account guide

With our instant access savings accounts, you can get your hands on your cash without giving us notice, and the interest rates reflect the way you save.

Read our guide to savings

* Gross is the rate of interest payable before the deduction of income tax. Interest is payable gross to non-taxpayers subject to their providing the required certification. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

** Tax-free: Indicates that interest is exempt from UK income tax provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on the individual taxpayer.

‡ These rates include an introductory bonus of 0.75% gross p.a. The bonus will be paid for 12 months from the date you open your account with a minimum of £1, after which time the rates will reduce accordingly. We may withdraw or change the bonus offer at any time without notice. After the introductory bonus period we guarantee that the higher rate will not be less than 0.5% below Barclays Bank Base Rate until 1 January 2010.

‡‡ Gross rate - Interest is payable without the deduction of income tax to non-taxpayers subject to the required certification and for investments of £50,000 or more, which meet the Qualifying Time Deposit criteria (see clause 5 of the Bond Terms and Conditions for full details). Otherwise, income tax will be deducted at the lower rate.

e–savings rates | High interest saving account | online savings | online savings accounts | internet saving accounts