Personal & joint accounts
Banking that holds its course.
Barclays keeps your money steady in changing weather — clear balances, honest fees, and a savings rate that doesn't drop the moment you stop watching it.
Account types
Three accounts, one steady course
Everyday spending, a savings pot with a rate that moves in your favour, and a fixed ISA for money you won't need to touch.
Everyday Current Account
Fee-free spending account with real-time balances, instant payment notifications, and round-the-clock card controls.
Course Saver
Easy-access savings at 3.85% AER. Move money in and out as often as you like, with interest calculated daily.
Fixed Horizon ISA
Lock in 4.10% AER tax-free for 12 months — a fixed bearing for money you're setting aside for later.
Product preview
A dashboard that reads like a chart, not a spreadsheet
Every account, every recent transaction, and your progress toward savings goals in one uncluttered view.
View the dashboard →Savings rates
Rates that don't hide from you
| Account | Access | Rate |
|---|---|---|
| Course Saver | Easy access | 3.85% AER |
| Fixed Horizon ISA — 12 month | Fixed term | 4.10% AER |
| Fixed Horizon ISA — 24 month | Fixed term | 4.35% AER |
Security
Held steady, on purpose
Here's the security standard we hold ourselves to.
Device-based sign-in
Trusted-device checks and biometric login on mobile, with step-up verification for new payees.
Real-time fraud alerts
Unusual activity triggers an instant push notification with a one-tap freeze on your card.
FSCS protection*
Eligible deposits protected up to £85,000 per person.
Ready to see it in action?
Log in and explore the dashboard, transfers, and statements.
Open the dashboard