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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Bank accounts

Ranked 13th of 33 providers reviewed.

Customer happiness 60%
Customer trust 53%
Complaints performance 68%
Transparency rating 68%
Fairer Finance score
Reviewed Autumn 2020
62%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 7th of 51 providers reviewed.

Customer happiness 56.89%
Customer trust 54.44%
Complaints performance 76.58%
Transparency rating 72.73%
Fairer Finance score
Reviewed Autumn 2020
65%

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.

Mortgages

Ranked 18th of 21 providers reviewed.

Customer happiness 58.36%
Customer trust 48.23%
Complaints performance 72.5%
Transparency rating 38.09%
Fairer Finance score
Reviewed Autumn 2020
54%

Personal loans

Ranked 16th of 25 providers reviewed.

Customer happiness 58.92%
Customer trust 55.59%
Complaints performance 66.87%
Transparency rating 47.64%
Fairer Finance score
Reviewed Autumn 2020
57%

Savings accounts

Ranked 46th of 47 providers reviewed.

Customer happiness 51.28%
Customer trust 55.96%
Complaints performance 66.87%
Transparency rating 35.22%
Fairer Finance score
Reviewed Autumn 2020
52%

Travel insurance

Ranked 51st of 69 providers reviewed.

Customer happiness 59.37%
Customer trust 53.62%
Complaints performance 77.61%
Transparency rating 7.73%
Fairer Finance score
Reviewed Autumn 2020
0%

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
Cover for keys if lost i £1,000
Matching sets i £10,000
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
Compulsory excess i £0
Escape of water excess i £0
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
Cover for keys if lost i £1,000
Matching sets i £10,000
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
Compulsory excess i £0
Escape of water excess i £0
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
Cover for keys if lost i Sum insured
Matching sets i
Alternative accommodation cover limit i £150,000
Cover for keys if stolen i Sum insured
Compulsory excess i £150
Escape of water excess i £150
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