Home Banks Barclays CD Rates & Fixed Deposits

Barclays: CD Rates & Fixed Deposits (2026)

Check Barclays Rates & Apply ↗

Alex Parker, CFA

Senior Banking Editor

October 28th, 2026

Barclays CD Rates & Fixed Deposits Ratings Breakdown

Overall 8.3 / 10

Overall composite rating across rates, fees, service, digital banking, and rewards.

Interest Rates & APY 9.2 / 10

Barclays consistently delivers top-tier APYs across a wide range of terms, frequently rivaling the best online institutions. The rates provide excellent value, particularly on medium-to-long-term durations.

Fees & Minimums 9.5 / 10

With a standout $0 minimum deposit requirement to open a CD and no monthly maintenance fees, Barclays provides maximum flexibility. Early withdrawal penalties apply as standard, but they remain strictly in line with industry norms.

Customer Service 7.8 / 10

Customer support is accessible seven days a week via phone, but the lack of an online live chat feature can be frustrating for digital users. Service is generally reliable, though wait times can fluctuate during peak rate-change cycles.

Mobile App & Digital Banking 8.1 / 10

The mobile app and online dashboard are clean and intuitive, making CD account funding, management, and maturity tracking straightforward. However, it lacks advanced wealth management tools and occasionally experiences minor interface glitches.

Rewards & Perks 7.0 / 10

Barclays focuses purely on competitive baseline rates rather than relationship tiering or promotional deposit bonuses. There are no specialized loyalty rate bumps or bump-up CD options available for existing account holders.

When evaluating Barclays for CD Rates & Fixed Deposits, our financial analysts examined interest rates, annual and monthly fees, customer satisfaction scores, and digital banking tools.

Barclays PLC is a major British universal bank headquartered in London with over 300 years of banking heritage. In the UK, Barclays provides full-service current accounts, Rainy Day Saver high-interest accounts, residential mortgages, and Barclaycard credit cards including the popular Avios Rewards and Platinum 0% balance transfer cards.

In the United States, Barclays is a leading issuer of co-branded airline and travel credit cards as well as high-yield online savings and CDs.