Barclays

Barclays is one of the largest UK banks. It is a publicly limited company, listed on the London Stock Exchange and is a member of the FTSE 100 index.

It’s traces its origins back to the late seventeeth century. James Barclay, who the business is named after, became a partner in 1736. It is based in London’s Canary Wharf district.

The company offers a full suite of financial products from current accounts to mortgages, insurance and investment services. It offers credit cards through its sister brand Barclaycard.

Its home insurance is provided by Gresham Insurance Company, which is owned by Aviva, and its travel insurance is provided by Aviva.

Barclays life insurance is underwritten by Legal & General.

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Bank accounts

Ranked 19^th of 30 providers reviewed.

Customer happiness score	56.82%
Customer trust score	54.6%
Complaints performance	64.07%
Transparency rating	78.52%
Fairer Finance score Reviewed Autumn 2023	64%

Buy Now Pay Later

Ranked 7^th of 12 providers reviewed.

Customer happiness score	56.4%
Customer trust score	53.78%
Fairer Finance score Reviewed Autumn 2023	55%

Home insurance (building and contents)

Ranked 47^th of 46 providers reviewed.

Customer happiness score	61.5%
Customer trust score	62.32%
Transparency rating	87.84%
Fairer Finance score Reviewed Autumn 2023	0%

Investing and pensions

Ranked 17^th of 27 providers reviewed.

Customer happiness score	62.13%
Customer trust score	65.13%
Complaints performance	63.63%
Transparency rating	60.91%
Fairer Finance score Reviewed Autumn 2023	63%

Life insurance

Ranked 16^th of 24 providers reviewed.

Claims score	71.00%
Complaints performance	85.31%
Transparency rating	66.63%
Fairer Finance score Reviewed Autumn 2023	74%

Mortgages

Ranked 15^th of 23 providers reviewed.

Customer happiness score	60.03%
Customer trust score	54.88%
Complaints performance	61.65%
Transparency rating	64.67%
Fairer Finance score Reviewed Autumn 2023	60%

Personal loans

Ranked 25^th of 27 providers reviewed.

Customer happiness score	59.42%
Customer trust score	55.69%
Complaints performance	64.12%
Transparency rating	54.66%
Fairer Finance score Reviewed Autumn 2023	58%

Savings Accounts

Ranked 50^th of 53 providers reviewed.

Customer happiness score	51.33%
Customer trust score	56.94%
Complaints performance	64.12%
Transparency rating	53.74%
Fairer Finance score Reviewed Autumn 2023	57%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Unpaid transaction fee i
Bankers draft/cheque fee i	£15.00
Faster Payment limit i	£25,000.00
Maximum cash machine withdrawal per day i	£300.00
Can you use your card to pay for items overseas? i

Annual fee i	£60.00
Maximum cash machine withdrawal per day i	£500.00
Part of FSCS i
App capability? i
Cash withdrawal fee in UK (own bank) i	£0.00
Card payment fee (£) i	£0.00

Foreign cash withdrawal fee i	2.99%
Foreign cash withdrawal additional charge i	£0.00
Foreign purchases fee i	2.99%
Is there a limit on free cash withdrawals? i	No free cash withdrawals

Risk based overdraft? i
Arranged overdraft interest free amount i	£500.00
Arranged overdraft interest rate (representative EAR) i	35%

Add-ons, cashback and rewards i	Worldwide Family Aviva travel insurance including winter sports and cruise cover, RAC European breakdown cover
Part of FSCS or international equivalent i

Add-ons, cashback and rewards i	Aviva mobile Phone and gadget insurance (cover for up to 4 phones and unlimited gadgets, worth up tgo £1,500 each), cashback with various retailers
Part of FSCS or international equivalent i

Arranged overdraft limit i	£1,500.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Accidental loss cover i	Not Covered
Mechanical breakdown cover i
Maximum single-item cover limit i	£1,500.00
Type of product i	Bank add-on
How is the excess charged? i	Depends on the type of claim
Accidental damage cover i
Lowest excess i	£29.00
Liquid damage excess i	£29.00
Theft & loss claims excess i
Mechanical breakdown cover replacement limit i	£1,500.00
Theft Cover i	Not Covered
Accidental damage and breakdown claims excess i	£79.00
Theft replacement limit i	£0.00
Cancellation fee i	£0.00
Malicious damage cover i
Arrangement fee i	£0.00
Additional early claims excess i	£0.00
Unauthorised usage cover i	£0.00
Immediate cover with no additional excess in the first 30 days of the policy i
Unauthorised usage cover (E-wallet) i	£0.00
Accessories cover limit i	£0.00
High end smartphones (>£1,000) minimum excess i	£149.00
High end tablets (>£1,200) minimum excess i	£149.00
High end laptops (>=£1,500) minimum excess i
High end MacBooks (>=£1,500) minimum excess i
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i	Aviva Insurance Limited
Age of customer requirement i	16.00 years
No claims period i	Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i	Worldwide
Maximum age of phones i	Unlimited
Maximum age of gadgets eligible for cover i	60 months
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i	4.00
Replacement claims limit per Item for theft or loss i
Replacement warranty i	24 months
International cover limit (Days) i	Unlimited
Smartphones i
Tablets i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks or Laptops

Accidental loss cover i	Y (Mobile Phones Only)
Mechanical breakdown cover i
Maximum single-item cover limit i	£1,500.00
Type of product i	Bank add-on
How is the excess charged? i	Depends on the type of claim
Accidental damage cover i
Lowest excess i	£29.00
Liquid damage excess i	£29.00
Theft & loss claims excess i	£179.00
Mechanical breakdown cover replacement limit i	£1,500.00
Theft Cover i
Accidental damage and breakdown claims excess i	£79.00
Theft replacement limit i	£1,500.00
Cancellation fee i	£0.00
Malicious damage cover i
Arrangement fee i	£0.00
Additional early claims excess i	£0.00
Unauthorised usage cover i	£0.00
Immediate cover with no additional excess in the first 30 days of the policy i
Unauthorised usage cover (E-wallet) i	£0.00
Accessories cover limit i	£0.00
High end smartphones (>£1,000) minimum excess i	£179.00
High end tablets (>£1,200) minimum excess i	£179.00
High end laptops (>=£1,500) minimum excess i
High end MacBooks (>=£1,500) minimum excess i
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i	Aviva Insurance Limited
Age of customer requirement i	16.00 years
No claims period i	Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i	Worldwide
Maximum age of phones i	Unlimited
Maximum age of gadgets eligible for cover i	60 months
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i	4.00
Replacement claims limit per Item for theft or loss i	2.00
Replacement warranty i	24 months
International cover limit (Days) i	Unlimited
Smartphones i
Tablets i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks or Laptops

Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
Charge for automatic reinvestment	£0.00
Charge for transferring cash to another platform	£0.00
Early Account Closure Fee (12 months or less)	£0.00
Inactivity Charge	£0.00
Charge for selling holdings if not enough money in account to pay other charges	£0.00
Charge for telephone/postal share dealing	£25.00
Same Day Payment Charge	£25.00
Cost of receiving paper statements for a year	£0.00
App available i

Medical excess i	£50.00
Cancelling before travel cover limit i	£10,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£1,500.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Max trip duration i	31 days
Cutting trip short (curtailment) cover limit i	£10,000.00
Abandoning your trip (abandonment) cover limit i	£10,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£750.00
Natural disaster relocation cover i

Medical excess i	£50.00
Cancelling before travel cover limit i	£10,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i	£1,500.00
Emergency medical cover and repatriation cover limit i	£10,000,000.00
Mental health cover i
Max trip duration i	31 days
Cutting trip short (curtailment) cover limit i	£10,000.00
Abandoning your trip (abandonment) cover limit i	£10,000.00
Personal money i	£500.00
Combined passport & travel documents cover limit i	£750.00
Natural disaster relocation cover i

Ski equipment owned cover limit i	£500.00
Single owned item cover limit i	£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£200.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£500.00
Single item limit for hired equipment i	£500.00
Avalanche closure cover limit i	£200.00
Piste closure cover limit i	£300.00
Unused ski pass due to illness or injury i	£500.00

Ski equipment owned cover limit i	£500.00
Single owned item cover limit i	£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£200.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£500.00
Single item limit for hired equipment i	£500.00
Avalanche closure cover limit i	£200.00
Piste closure cover limit i	£300.00
Unused ski pass due to illness or injury i	£500.00

Annual cost of regular payments (drawdown)	£120.00
Fee for setting up drawdown	£90.00
Charge for taking whole pot under triviality rules	£90.00
Account closure fee	£0.00
Charge for transferring cash to another platform	£0.00
Charge for transferring investments to another platform i	£0.00
Charge for automatic reinvestment	£0.00
Charge for withdrawing your tax-free lump sum	£30.00
Cost of adding funds to drawdown, or reviewing flexi-access drawdown (not capped)	£90.00
Charge for purchasing an annuity	£90.00
Charge for telephone/postal share dealing	£25.00
Same Day Payment Charge	£30.00
Cost of receiving paper statements for a year	£0.00

Cost (Year 1) i	£350.00
Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
Does the provider have a mobile app?
Charge for selling holdings if not enough money in account for charges	£0.00
Completing paper applications	£0.00
Cash withdrawal by BACs	£0.00
Same day payment/payment by CHAPs	£25.00
Early account closure fee	£0.00
Cost of receiving paper statements for a year	£0.00
Charge for transferring cash to another platform i	£0.00

Barclays

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Premium bank accounts

Student bank accounts

Gadget insurance

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Fund and Share Accounts (for low frequency trading)

Income Drawdown products (self-invested)

Ready-made General Investment Accounts

Ready-made Stocks and Shares ISAs

Self-invested Personal Pensions (SIPPs)

Stocks and Shares ISAs (self-invested)

Travel insurance

Annual multi-trip insurance

Travel insurance add-on: winter sports

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