Business savings accounts

Savings accounts to suit your business

Whether you want instant access to your money or a better rate for a fixed term, we have an account that fits the way you do business.

Account overview

Account	Business Premium Account
Access	Instant
Minimum balance	£0
Management	Online, branch, phone

Competitive rate of interest, accrued daily and paid every quarter
Unlimited free withdrawals via your Business current account
Make unlimited CHAPS payments, also known as 'same-day domestic payments' (standard charges apply)

Account terms and conditions¹ [PDF, 50KB]

Rates and charges

Summary box

Account name
Business Premium Account

What's the interest rate?
Effective from 01 December 2023

Balance	Gross per year %	AER %
£1+	1.50%	1.51%
£1 million+	1.75%	1.76%
£10 million+	1.95%	1.96%

Interest is calculated daily using your statement balance and is paid quarterly in March, June, September and December.

What would the estimated balance be after 12 months based on a £1,000, £1 million or £10 million deposit?


Deposit amount	Estimated value after a year
£1,000	£ 1,015.08
£1 million	£ 1,017,615.18
£10 million	£ 10,196,430.58

These are examples and don’t take your individual circumstances into account. Examples assume that

No further deposits or withdrawals are made
Any interest earned stays in the account
There is no change to interest rates and tiers

Can Barclays change the interest rate?

Yes, we can change rates from time to time based on changes in market conditions. For more information, please refer to the relevant section of the Business Customer Agreement.

How do I open and manage my account?

Open your account by speaking to our telephone servicing team.

Manage your account either in a branch, over the phone or in Online Banking.

No restrictions on deposits or withdrawals

No minimum balance

Maximum balance – £50 million (£2 million for Financial Institutions)

Can I withdraw money?

Yes, you’ll have instant access to your money so you can make withdrawals.

Additional information

Interest accrued daily, and paid quarterly
Account may not be designated as a “client or trust account”
Transfers can be made to or from account to other accounts in the same currency

Account	Clients Premium Account
Access	Instant
Minimum balance	£0
Management	Online, branch, phone, chequebook

Easily manage money on behalf of your clients
For businesses that are regulated and have a legal requirement to hold money for clients
Interest paid quarterly

Account terms and conditions¹ [PDF, 172KB]

Rates and charges

Summary box

Account name
Clients Premium Account

What's the interest rate?
Effective from 01 December 2023

Balance	Gross per year %	AER %
£1+	1.40%	1.41%
£1 million+	1.65%	1.66%
£10 million+	1.95%	1.96%

Interest is calculated daily using your statement balance, and paid quarterly in March, June, September and December.


Deposit amount	Estimated balance after a year
£1,000	£ 1,014.07
£1 million	£ 1,016,602.37
£10 million	£ 10,196,430.58

These are examples and don't take your individual circumstances into account. The examples assume that

No further deposits or withdrawals are made
Interest earned stays in the account
Interest rates and tiers don't change

Can Barclays change the interest rate?

Yes, we can change rates from time to time, based on changes in market conditions. For more information, please refer to the relevant section of the Business Customer Agreement.

Who is the Clients Premium Account suitable for?

Clients Premium Accounts are suitable for regulated businesses that have a legal requirement to hold money on behalf of their clients.

If you’re holding money that belongs to a third party, not your own business, you can safeguard it in this account. When you open an account, you can choose between a ‘designated account’ for money belonging to a single business or person, or a ‘pooled account’ for money belonging to multiple businesses or people. If your needs change, you can still open an account of the other type.

It’s important to remember that a Clients Premium Account should never hold any of your own money.

Our Clients Premium Accounts are typically suitable for

Those regulated by the Financial Conduct Authority (FCA) with client money permissions
Regulated insolvency practitioners, accountants and solicitors
Property managers, estate agents and lettings agents

You’re responsible for complying with all legal, fiduciary and regulatory obligations that apply to you. This includes compliance with Money Laundering Regulations.

How do I open and manage my account?

Open your account by speaking to our telephone servicing team.

We might ask you to complete a short questionnaire to make sure you'll meet our eligibility criteria. If you do, we'll send you a letter to confirm when the account is open and give you your account details.

You can manage your account either in our branches, over the phone, or by using Online Banking or the Barclays app.

Can I withdraw money?

Yes, you’ll have instant access to your money for withdrawals, though cash withdrawals from this type of account are restricted.

Additional information

An account for customers who hold clients’ funds
Keep clients’ funds separate and earns interest
Interest is accrued daily and paid quarterly
Chequebook available
Cash deposits and cash withdrawals are restricted from this type of account


Account	Sterling Treasury Deposits
Access	Fixed term
Minimum balance	£100,000
Management	Telephone
Interest rate	Depends on chosen term

For businesses with big deposits, looking for higher returns
Potentially higher returns than a standard savings account
Rate guaranteed for the duration of the fixed deposits
Deposit up to £24,999,999
Rate of return linked to the London currency money markets
Fixed terms from 1 to 12 months (minimum balances apply, depending on the term length).

Account terms and conditions¹ [PDF, 143KB]

Rates and charges

We also offer foreign currency savings accounts.

Compare business savings accounts


	Business Premium Account	Clients Premium Account	Treasury Deposit Account
Account type	Instant access	Instant access	Fixed-term
Term	–	–	–
Withdrawals	Yes	Yes	No
Minimum balance	£0	£0	£100,000
Management	Online Branch Telephone	Online Branch Telephone	Branch Telephone
AER: Current Rate	Up to 1.96%	Up to 1.96%	Rate guaranteed for the duration of fixed deposit
Benefits	Manage your day-to-day finance	Manage money on behalf of your clients. For businesses like lawyers, accountants and estate agents	Get a much higher return compared with a standard savings account. For businesses with big deposits that are looking for higher returns.

Business savings accounts

Account overview

Summary box

Summary box

Compare business savings accounts

How to apply

Important information

Business savings accounts

Account overview

Summary box

Summary box

Compare business savings accounts

How to apply

Already bank with us?

Don’t have access to Online Banking?

Important information