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Helpful Start

This account is only available as part of the Family Springboard Mortgage.

Current interest rates

Rates effective from: Balance Gross rate pa% AER%
1 September 2016 - present £1+ 1.75 1.76

For information on previous rates on this account, including any introductory bonuses that may have been applied, please see the previous rate tab.

The interest is rate linked to the Bank of England Bank Rate. The account remains open for a minimum term of 3 years. For further information, including, on what will happen after 3 years, please see the Helpful Start Account additional conditions. The interest rate tracks a margin of 1.50% above the Bank of England Bank Rate. Any rises or falls in the Bank of England Bank Rate will be passed on no later than 30 days after the relevant Bank of England announcement. The Retail Customer Agreement explains what we mean by 'Barclays tracker rate' and how changes can be made to that rate.

Previous interest rates

This previous interest rates tab sets out all rates that have applied to Helpful Start in the past 5 years. To find out how much interest you are currently earning on your money, please click on the 'Current interest rates' tab.


Rates effective from Balance Gross rate pa% AER%
14 January 2013 - 31 August 2016 £1+ 2.00 2.02


Mortgage offset: No
Interest rate: Rates are variable. Interest is paid monthly on the first working day of the month.
Gross: The rate of interest payable without tax taken off.
Tax: Interest is paid gross. If you’re a UK taxpayer, you may have to pay tax on interest earned in excess of your Personal Savings Allowance.
For information and guidance please refer to the HMRC website .
Please note, it’s your responsibility to ensure that any tax due on interest payments received is paid to the appropriate tax authority.
AER: Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded once each year.


Terms and Conditions

These additional terms and conditions supplement and amend the general conditions of your Customer Agreement with us (Barclays Bank PLC). Read important information about our interest rates, the Financial Services Compensation Scheme and your cancellation rights.