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 CIGNA.


Barclays life insurance is underwritten by Aviva, unless you are getting a deal as an existing mortgage holder, in which case Legal & General will underwrite the policy.



Barclays
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Gold ribbon: first place

Bank accounts

Ranked 12th of 32 providers reviewed.

Customer happiness 59%
Customer trust 52%
Complaints performance 70%
Transparency rating 67%
Fairer Finance score
Reviewed Spring 2020
62%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 7th of 50 providers reviewed.

Customer happiness 55.05%
Customer trust 49.62%
Complaints performance 75.55%
Transparency rating 71.59%
Fairer Finance score
Reviewed Spring 2020
63%

Investing and pensions

Our ratings for Investing and pensions are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Life insurance

Ranked 19th of 24 providers reviewed.

Claims score 96.64%
Complaints performance 81.31%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2020
66%

Mortgages

Ranked 16th of 22 providers reviewed.

Customer happiness 55%
Customer trust 53%
Complaints performance 74%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2020
56%

Personal loans

Ranked 20th of 31 providers reviewed.

Customer happiness 57%
Customer trust 56.05%
Complaints performance 67.75%
Transparency rating 41.31%
Fairer Finance score
Reviewed Spring 2020
56%

Savings accounts

Ranked 38th of 44 providers reviewed.

Customer happiness 50.88%
Customer trust 53.39%
Complaints performance 67.75%
Transparency rating 37.63%
Fairer Finance score
Reviewed Spring 2020
52%

Bank accounts

Basic bank accounts

Barclays

Barclays Basic Current Account

5 stars
Faster Payment limit i £50,000
Maximum cash machine withdrawal per day i £300
Part of FSCS i

Current accounts

Barclays

Barclays Bank Account

4 stars
Faster Payment limit i £50,000
Overdraft scenario 3 large amount (maximum EAR) i £11.34
Maximum cash machine withdrawal per day i £300
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0
Card payment fee (£) i £0
App capability? i

Foreign use bank accounts

Barclays

Barclays Bank Account

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Barclays Bank Account with Blue Rewards

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Premier Current Account

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Premier Current Account with Blue Rewards

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Barclays Basic Current Account

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Student Additions Account

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Student Additions Account (international)

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Higher Education Account

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Barclays

Barclays Bank Account with Tech Pack

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Overdrafts

Barclays

Premier Current Account

5 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £500
Arranged overdraft interest rate (representative EAR) i 35%

Barclays

Premier Current Account with Blue Rewards

5 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £500
Arranged overdraft interest rate (representative EAR) i 35%

Barclays

Barclays Bank Account

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £15
Arranged overdraft interest rate (representative EAR) i 35%

Barclays

Barclays Bank Account with Tech Pack

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £15
Arranged overdraft interest rate (representative EAR) i 35%

Barclays

Barclays Bank Account with Blue Rewards

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £15
Arranged overdraft interest rate (representative EAR) i 35%

Premium bank accounts

Barclays

Barclays Bank Account with Tech Pack

2 stars
Add-ons, cashback and rewards i Mobile Phone insurance, gadget insurance, cashback with various retailers
Estimated amount of money customers get back (minus annual fee) i -£37.51
Part of FSCS or international equivalent i

Barclays

Barclays Bank Account with Blue Rewards

2 stars
Add-ons, cashback and rewards i Cashback with various retailers; Cashback on mortgages, and home and life insurance
Estimated amount of money customers get back (minus annual fee) i £36
Part of FSCS or international equivalent i

Student bank accounts

Barclays

Higher Education Account

5 stars
Arranged overdraft limit i £3,000
Tiered repayment of overdraft i £3k/2k/1k - each year
Switching / sign up incentive i

Barclays

Student Additions Account

4 stars
Arranged overdraft limit i £500 on opening, £1000 year 1, £2000 year 2, £3000 year 3
Tiered repayment of overdraft i £3k/2k/1k - each year
Switching / sign up incentive i

Barclays

Student Additions Account (international)

4 stars
Arranged overdraft limit i £500 on opening, £1000 year 1, £2000 year 2, £3000 year 3
Tiered repayment of overdraft i £3k/2k/1k - each year
Switching / sign up incentive i

Home insurance (building and contents)

Barclays

Premium Home Insurance (By Hiscox)

4 stars
Escape of water excess i £150
Matching sets i
Theft from outbuildings cover limit i £10,000
24hr helpline i
Alternative accommodation cover limit i £150,000
Cover for keys if lost i Sum insured
Money in the home i £2,500
Replace belongings new for old i

Barclays

Home Insurance

4 stars
Escape of water excess i £0
Matching sets i £10,000
Theft from outbuildings cover limit i £3,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £1,000
Money in the home i £500
Replace belongings new for old i

Barclays

Starter Contents Home Insurance

3 stars
Escape of water excess i £0
Matching sets i £10,000
Theft from outbuildings cover limit i £2,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £1,000
Money in the home i £250
Replace belongings new for old i

Buildings insurance

Barclays

Home Insurance

5 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i £10,000
Cover for keys if lost i £1,000
Compulsory excess i £0
Escape of water excess i £0
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
Property owner liability i £2,000,000
24hr helpline i

Barclays

Starter Contents Home Insurance

5 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i £10,000
Cover for keys if lost i £1,000
Compulsory excess i £0
Escape of water excess i £0
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
Property owner liability i £2,000,000
24hr helpline i

Barclays

Premium Home Insurance (By Hiscox)

4 stars
Finding & repairing a leak cover limit i £10,000
Matching sets i
Cover for keys if lost i Sum insured
Compulsory excess i £150
Escape of water excess i £150
Alternative accommodation cover limit i £150,000
Cover for keys if stolen i Sum insured
Property owner liability i Unlimited
24hr helpline i

Contents insurance

Barclays

Premium Home Insurance (By Hiscox)

4 stars
Theft from outbuildings cover limit i £10,000
Matching sets i
Cover for keys if lost i Sum insured
Cover limit for cycles in the home i Sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £150,000
Money in the home cover limit i £2,500
Cover for keys if stolen i Sum insured
24hr helpline i

Barclays

Home Insurance

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i £10,000
Cover for keys if lost i £1,000
Cover limit for cycles in the home i £0
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £500
Cover for keys if stolen i £1,000
24hr helpline i

Barclays

Starter Contents Home Insurance

2 stars
Theft from outbuildings cover limit i £2,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i £0
Replace belongings new for old i
Alternative accommodation cover limit i £0
Money in the home cover limit i £250
Cover for keys if stolen i £1,000
24hr helpline i

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Barclays

Investment Account

Our ratings for Fund and Share Accounts (for high frequency trading) are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Fund and Share Accounts (for low frequency trading)

Barclays

Investment Account

Our ratings for Fund and Share Accounts (for low frequency trading) are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Self-invested Personal Pensions (SIPPs)

Barclays

Barclays SIPP

Our ratings for Self-invested Personal Pensions (SIPPs) are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Travel insurance

Annual multi-trip insurance

Barclays

Travel Pack

4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £500
Combined passport & travel cover limit i £750
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Barclays

Travel Plus Pack

4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £500
Combined passport & travel cover limit i £750
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Travel insurance add-on: winter sports

Barclays

Travel Pack

4 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure cover limit i £200
Piste closure cover limit i £300
Unused ski pass due to illness or injury i £500