18 Month Flexible Bond

Earn a fixed rate of interest on your money

If you bank with us, you could open an account online in minutes.

Simply login or register for online banking

If you don't yet bank with us or prefer to talk, give us a call on 0345 744 54454?or visit your nearest branch.

Set your money aside for a fixed return, knowing you can still access some of it if you need to.

  • Earn 0.75% gross p.a./AER1?for balances of £1 to £1 million
  • Up to 3 free withdrawals online, in branch or over the phone2?– each up to 10% of your initial deposit3
  • You can open this account with as little as £1

Summary box

Account name
18 Month Flexible Bond?- Issue 44.

What is the interest rate?
Interest rates for balances of £1+, effective from?4 September 2019.

Interest option

Interest option

Gross p.a. %

End of term
Gross p.a. %

(All interest options)

18 month term




Monthly and end of term interest payment options are available – monthly interest will be paid into your Barclays account (this must be in the name of one or more bond holders) or will be paid to you by cheque.

If you choose end of term interest, you’ll receive all of your interest in one tax year. This means you could reach or exceed your Personal Savings Allowance more quickly in that tax year.

Tax liability on interest applies in the tax year it is paid, which may be different to the tax year(s) in which interest has accrued.

Can Barclays change the interest rate?

No, the interest rates are fixed for the?18 month term of the bond.

What would the estimated balance be at the end of the term based on a £1,000 deposit?

Deposit amount

Deposit amount

(Estimated value at the end of the term)

End of term
(Estimated value at the end of the term)




How do I open and manage my account?

You can open an account online, in branch or over the phone. Please see the ‘How to apply’ section below for more details.?

You can open this bond with £1 – the maximum balance is £1 million.?


To apply for this Flexible Bond, you must

  • Be aged 18 or above
  • Be resident in the UK for tax purposes

Can I withdraw money?

Yes, you can make 3 withdrawals during the term of the bond. The maximum value per withdrawal is 10% of your initial investment into the bond.

You can access your funds and manage your account in branch, or using Online Banking, Barclays Mobile Banking or Telephone Banking – provided you’re registered.?

We’ll contact you again before your bond matures to find out what you’d like to do next. ?

Additional information?

In accordance with UK tax legislation, from the 6 April 2016, interest is paid gross. If you’re a UK taxpayer, you may have to pay tax on interest earned in excess of your Personal Savings Allowance. For information and guidance please refer to HMRC’s website.?It’s your responsibility to ensure that any tax due on interest payments received is paid to the appropriate tax authority.

Our?18 Month Flexible Bond - Issue 44 is a strictly limited offer, and may be withdrawn at any time.

Additional deposits are not allowed at any time during the term of the bond, although a bond holder may acquire additional bonds subject to availability.

Terms and conditions

For additional information, download our?18 Month Flexible Bond - Issue 44?terms and conditions.

How to apply

There are different ways to apply, depending on whether or not you bank with us.?

Register for Online Banking

Get quick and convenient access to your accounts.

More ways to save

If the?18 Month Flexible Bond - Issue 44 isn't what you’re looking for, we have other options for you to consider.

1-Year Fixed-Rate Bond

Make more of your money by locking it away

If you bank with us, you could open an account online in minutes.

Premier savings and investments

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Whether it’s for rainy days, dream holidays, or your future, there’s always something to save for.
Our range of savings and investment options are designed to help you get there.

The value of investments can fall as well as rise.


Help your savings soar

Make the most of your 2019/20 tax-free ISA allowance. Pay into your existing cash ISA – or open a new one today with as little as £1.