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Barclays Instant Access ISA

The Very Latest Instant Access ISA
Easy Access Cash ISAs

Felxible Cash ISA

from Ford Money

Interest Rate (AER) 1.00%
  • Minimum deposit £1
  • Interest can be paid monthly or annually
  • Unlimited deposits and withdrawals permitted
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

30 Day Notice Cash ISAs

from Aldermore

Interest Rate (AER) 0.80%
  • Term: Easy Access

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Easy Access ISA

from AA

Interest Rate (AER) 0.95%
  • Term: Easy Access

Earn 0.96% tax free/AER variable - includes a 12 month bonus rate of 0.76%. Open with £100. Unlimited free withdrawals. Transfer in ISAs held elsewhere - no limit

35 Day Notice Cash ISA

from Bank of Cyprus

Interest Rate (AER) 0.75%
  • Term: Easy Access

Why we like it: Bank of Cyprus UK offer a great Easy Access ISA with a top rate of interest. You are covered by the UK FSCS scheme.

  • Access to funds subject to 35 days notice
  • Open account with £500

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant ISA Saver

from Nationwide

Interest Rate (AER) 0.50%
  • Term: Instant Access
  • Instant access
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Barclays Instant Access ISA

Barclays is a British multinational banking and financial services company headquartered in London. It is a universal bank with operations in retail, wholesale and investment banking, as well as wealth management, mortgage lending and credit cards. It has operations in over 50 countries and territories and has around 48 million customers.

What is an Instant Access ISA?

Instant access ISAs are a great account for people who need the flexibility to withdraw tax-efficient savings as and when is necessary. Any UK taxpayer over the age of 16 years old can save up to the maximum ISA allowance.

This type of ISA has the benefit of allowing you to pay in and withdraw money at any time throughout the financial year, which runs until 5th April each year. Most providers will allow you to pay in and withdraw any amount you wish, and these instant access cash ISAs can often be opened with as little as £1. Some ISAs may require a higher minimum deposit to open an account, or operate a yearly withdrawal limit.

One thing to remember when choosing an ISA is that instant access cash ISAs will often have comparatively low rates of interest compared to other types of ISA. This is what you exchange in return for the flexibility and freedom of this type of account.

Barclays Instant Access ISA Review

Features:

  • You will get instant access to your money through online, mobile and telephone banking or in branch
  • You can open this account with £1 or £0 for transfers-in
  • Transfer-in an existing ISA in just 3 steps
  • You’re rewarded for your savings with Interest tears. The more you save in this account the higher your interest rate will be
  • Competitive basic rate of interest
  • If you’re already a Barclays customer then you can open the account online, by phone or in branch
  • If you’re not a Barclays customer then you will only be able to open in a branch

Instant cash ISAs are not known for their high rates of interest. However, the higher tier of this Barclays account means you will have access to a higher rate of interest than is normally offered by these kind of accounts. However, it’s still not as high as other account options such as a Fixed Rate ISA and you have to save a lot to receive the higher tear rate

How do I transfer my instant access ISA?

As Barclays offer free transfers-in, this is a great option for people who are thinking about switching accounts. Transferring is easy and the process generally follows the same rules:

  • Once you have completed the new ISA provider's transfer application form they will write to your existing provider
  • You can transfer your ISA between providers without affecting your current ISA allowance. Be careful you don’t close your existing ISA to open a new one as you will lose your current ISA allowance, you should transfer so you don’t lose out on your tax-free allowance

A transfer should take no more than 5 days in line with the British Bankers Association guidelines.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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Latest News

Income ISA offers up to 7.60% pa paid quarterly

9th October 2017

Inflation reached as high as 2.9% in August as reported by the Office for National Statistics (ONS). As a result, many individuals are looking for ways to receive more income to combat the effect of rising inflation. 

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