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International Reserve Account
The flexibility of an instant-access savings account
Features and benefits
Whether you’re living abroad and keeping savings in sterling, or working in the UK and being paid in US dollars, our International Reserve Account offers the flexibility to suit your lifestyle.
Open in the currency you prefer: sterling, dollars or euros
Add to your account at any time, subject to any maximum balance restrictions
Access your funds, penalty-free, at any time that suits you
Minimum deposits of £1, US$1 or €1. Maximum deposit limit of £25 million, US$40 million or €10 million
Deposit or withdraw funds whenever you choose, with the option to manage your account online
What is the interest rate on the International Reserve Account?
GBP
Rates are effective from 15 January 2025
| Balance (GBP) |
Gross rate p.a. |
AER |
|---|---|---|
| £0 to £99,999 | 1.50% | 1.51% |
| £100,000 to £999,999 |
1.50% | 1.51% |
| £1,000,000 to £4,999,999 | 2.15% | 2.17% |
| £5,000,000+ | 2.85% | 2.89% |
Interest is paid monthly on the first working day of the month.
Rates are effective from 21 April 2025
| Balance (GBP) |
Gross rate p.a. |
AER |
|---|---|---|
| £0 to £99,999 | 1.25% | 1.26% |
| £100,000 to £999,999 |
1.35% | 1.36% |
| £1,000,000 to £4,999,999 | 2.00% | 2.02% |
| £5,000,000+ | 2.75% | 2.78% |
Interest is paid monthly on the first working day of the month.
USD
Rates are effective from 17 March 2025
| Balance (USD) |
Gross rate p.a. |
AER |
|---|---|---|
| $0 to $99,999 |
0.85% |
0.85% |
| $100,000 to $999,999 |
1.45% |
1.46% |
| $1,000,000 to $4,999,999 |
2.10% |
2.12% |
| $5,000,000+ |
2.50% |
2.52% |
Interest is paid quarterly in March, June, September and December.
EUR
Rates are effective from 15 January 2025
| Balance (EUR) | Gross rate p.a. | AER |
|---|---|---|
| €0 to €99,999 | 0.70% |
0.70% |
| €100,000 to €999,999 |
0.90% | 0.90% |
| €1,000,000 to €4,999,999 | 1.30% | 1.31% |
| €5,000,000+ | 1.65% | 1.66% |
Interest is paid quarterly in March, June, September and December.
Rates are effective from 21 April 2025
| Balance (EUR) | Gross rate p.a. | AER |
|---|---|---|
| €0 to €99,999 | 0.60% |
0.60% |
| €100,000 to €999,999 |
0.70% | 0.70% |
| €1,000,000 to €4,999,999 | 1.00% | 1.00% |
| €5,000,000+ | 1.35% | 1.36% |
Interest is paid quarterly in March, June, September and December.
Rates are effective from 2 June 2025
| Balance (EUR) | Gross rate p.a. | AER |
|---|---|---|
| €0 to €99,999 | 0.55% |
0.55% |
| €100,000 to €999,999 |
0.60% | 0.60% |
| €1,000,000 to €4,999,999 | 0.85% | 0.85% |
| €5,000,000+ | 1.20% | 1.21% |
Interest is paid quarterly in March, June, September and December.
What would the estimated balance be after 12 months based on a £1,000 deposit on interest rates effective from 21 April 2025, $1,000 deposit on interest rates effective 17 March 2025 or €1,000 deposit on rates effective 2 June 2025?
| Deposit amount in currency | Estimated value after a year |
|---|---|
| £1,000 | £1,012.57 |
| $1,000 | $1,008.53 |
| €1,000 | €1,006.02 |
Apply for an account today
Opening a Barclays International Bank account is straightforward and you’ll have a choice of three major currencies – sterling, euros, or US dollars. You'll also need...
Residence in a qualifying country
We offer bank accounts in over 35 countries internationally
A minimum of £100,000 (or currency equivalent)1,2
This can be in savings and/or investments across all your accounts with us
A minimum of £250,000 (or currency equivalent)1 for Relationship Management
Get access to an expert who can explore your financial goals in detail. Learn more about the benefits of having a Relationship Manager
Learn more about other savings accounts
FAQs
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Yes, rates on the International Reserve Account are variable, which means they may decrease or increase. For more details on when we may change the interest rate and the notice you’ll receive, please see our Barclays Bank Terms booklet. This can be obtained from your usual point of contact, or viewed online on our Terms and Conditions page.
The rates displayed on this page are available to International Banking clients with accounts held in the Isle of Man or Jersey.
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Yes, this is an instant-access account, which means you can make penalty-free withdrawals at any time.
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You can open an account online, over the phone, or by visiting a branch. You can manage your account in branch, through online banking, via the Barclays app, or by telephone banking.
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This account is only available to individuals. You can have more than one International Reserve Account at any given time in sole or joint names, provided the total balances do not exceed £25 million, US$40 million or €10 million.
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