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 22^nd of 28 providers reviewed.

Customer happiness	58.85%
Customer trust	54.68%
Complaints performance	64.15%
Transparency rating	74.97%
Fairer Finance score Reviewed Autumn 2022	63%

Home Emergency Cover

Ranked 2^nd of 24 providers reviewed.

Customer happiness	66.2%
Customer trust	69.72%
Complaints performance	73.55%
Transparency rating	63.19%
Fairer Finance score Reviewed Autumn 2022	68%

Home insurance (building and contents)

Ranked 8^th of 48 providers reviewed.

Customer happiness	62.83%
Customer trust	60.75%
Complaints performance	73.85%
Transparency rating	79.72%
Fairer Finance score Reviewed Autumn 2022	69%

Investing and pensions

Ranked 15^th of 24 providers reviewed.

Customer happiness	58.85%
Customer trust	63.28%
Complaints performance	70.46%
Transparency rating	58.81%
Fairer Finance score Reviewed Autumn 2022	63%

Life insurance

Ranked 18^th of 26 providers reviewed.

Claims score	73.00%
Complaints performance	85.24%
Transparency rating	65.28%
Fairer Finance score Reviewed Autumn 2022	75%

Mortgages

Ranked 20^th of 23 providers reviewed.

Customer happiness	60.78%
Customer trust	54.91%
Complaints performance	64.59%
Transparency rating	51.02%
Fairer Finance score Reviewed Autumn 2022	58%

Personal loans

Ranked 14^th of 26 providers reviewed.

Customer happiness	63.06%
Customer trust	57.23%
Complaints performance	64.07%
Transparency rating	67.87%
Fairer Finance score Reviewed Autumn 2022	63%

Savings Accounts

Ranked 35^th of 50 providers reviewed.

Customer happiness	49.44%
Customer trust	56.56%
Complaints performance	64.07%
Transparency rating	72.43%
Fairer Finance score Reviewed Autumn 2022	61%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Faster Payment limit i	£25,000.00
Maximum cash machine withdrawal per day i	£500.00
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
Cash withdrawal fee in UK (own bank) i	£0.00
Card payment fee (£) i	£0.00
App capability? i

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%

Risk based overdraft? i
Arranged overdraft interest free amount i	£15.00
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	Likewize 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	Y (Mobile Phones Only)
Mechanical breakdown cover i
Maximum single-item cover limit i	£1,500.00
Tablets i
Accidental damage cover i
Minimum excess i
Territorial limits restriction i
Data and Software Cover i
Mechanical breakdown cover replacement limit i	£1,500.00
Theft Cover i
Theft replacement limit i	£1,500.00
Malicious damage cover i
Unauthorised usage cover i	£0.00
Unauthorised usage cover (E-wallet) i	£0.00
Accessories cover limit i	£0.00
How is the excess charged? i	Standard excess decreases through time
Lowest excess i	£79.00
Liquid damage excess i	£79.00
Theft & loss claims excess i	£179.00
Accidental damage and breakdown claims excess i	£79.00
Cancellation fee i	£0.00
Arrangement fee i	£0.00
Additional excess charge i	£0.00
Immediate cover with no additional excess in the first 30 days of the policy i	TRUE
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
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i	4
Replacement claims limit per Item for theft or loss i	2
Replacement warranty i	24 Months
International cover limit (Days) i	Standard excess applied to all gadgets and claim types
Type of product i	Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i	American International Group UK Limited
Age of customer requirement i	16
No claims period i	Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i	No Territiorial Limits Mentioned
Maximum age of phones i	60 Months
Maximum age of gadgets eligible for cover i	60 Months
Smartphones i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks Or Laptops

Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i	Covered under the home emergency policy
Cover Type i	Add-On
Home Emergency Cover limit i	£1,000.00
Minimum Excess i	£0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i	No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i	No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i	£500.00
Domestic Power supply covered? i
Roof damage i	Covered under the home emergency policy
Pest infestation cover i
Underwriter i	Aviva Insurance Limited
Maximum Excess i	£0.00
Alternative Accommodation Cover i	Covered under the home insurance policy
24/7 Claims Helpline i
Unoccupied period i	Not Specified

Alternative accommodation cover limit for buildings i	£100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i	£3,000.00
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£10,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£1,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Money in the home i	£500.00
Replace belongings new for old i
Trace and access i	Sum Insured
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£450.00
Compulsory excess (contents) i	£0.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£10,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	Unlimited
Contents cover limit i	£15,000.00
Underwriter	Gresham Group/Aviva
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i	£0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£25,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i

Alternative accommodation cover limit for buildings i	£100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i	£2,000.00
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£0.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£1,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Money in the home i	£250.00
Replace belongings new for old i
Trace and access i	Sum Insured
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£450.00
Compulsory excess (contents) i	£0.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£10,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	Unlimited
Contents cover limit i	£15,000.00
Underwriter	Gresham Group/Aviva
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i	£0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£0.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i

Trace and access i	Sum Insured
Keys/locks if lost or stolen (buildings) i	£1,000.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i	£100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft	Sum Insured
Cover for storm and flood
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined
Escape of water (plus compulsory excess) i	£450.00
Buildings compulsory excess i	£0.00
Escape of water excess i	£450.00
Flood excess i	£0.00
Unoccupied period i	60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i	£0.00
Amendment fee i	£0.00
Property owner liability i	£5,000,000.00

Trace and access i	Sum Insured
Keys/locks if lost or stolen (buildings) i	£1,000.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i	£100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft	Sum Insured
Cover for storm and flood
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined
Escape of water (plus compulsory excess) i	£450.00
Buildings compulsory excess i	£0.00
Escape of water excess i	£450.00
Flood excess i	£0.00
Unoccupied period i	60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i	£0.00
Amendment fee i	£0.00
Property owner liability i	£5,000,000.00

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
Same Day Payment Charge	£0.00
Cost of receiving paper statements for a year	£0.00
App available i
Charge for telephone/postal share dealing	£25.00

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
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
Account closure fee	£0.00
Charge for transferring cash to another platform	£90.00
Charge for transferring investments to another platform i	£90.00
Charge for automatic reinvestment	£0.00
Same Day Payment Charge	£0.00
Cost of receiving paper statements for a year	£0.00

Cost (Year 1) i	£328.00
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

Cost (Year 1) i	£650.00
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

Cost (Year 1) i	£653.00
Account closure fee	£0.00
Charge for transferring investments to another platform i	£0.00
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
Does the provider have a mobile app?

Representative APR (on £5,000 loan, 36 month term)	13.5%
Unpaid Repayment Fee i	£0.00
Early settlement fee (Days interest)	30 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount	£1,000.00
Maximum borrowing amount	£50,000.00
Minimum borrowing length	24 months
Maximum borrowing amount	60 months

Representative APR (on £5,000 loan, 36 month term)	7.9%
Unpaid Repayment Fee i	£0.00
Early settlement fee (Days interest)	30 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount	£1,000.00
Maximum borrowing amount	£50,000.00
Minimum borrowing length	24 months
Maximum borrowing amount	60 months

Interest Rate (AER) i	3.4%
Minimum Opening Balance i	£500.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	3.5%
Minimum Opening Balance i	£1.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	3 withdrawals of up to 10% of the balance are allowed during the term

Interest Rate (AER) i	0.55%
Maximum Balance i	£10,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Barclays

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Premium bank accounts

Student bank accounts

Gadget insurance

Home Emergency Cover

Home insurance (building and contents)

Buildings insurance

Contents 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 Personal Pensions

Ready-made Stocks and Shares ISAs

Self-invested Personal Pensions (SIPPs)

Stocks and Shares ISAs (self-invested)

Personal loans

Savings Accounts

1 Year Fixed Rate Accounts

2 Year Fixed Rate Accounts

Easy Access Accounts

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

2 Year Fixed Rate ISAs

Easy Access ISAs

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Interest Rate (AER) i	2.02%
Maximum Balance i	£10,000,000.00
Part of FSCS i
Withdrawal Penalty i	Lower interest of 0.50% is paid in months where a withdrawal is made.
Additional Information i
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Interest Rate (AER) i	5.12%
Maximum Balance i	£10,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i	The 5.12% interest rate only applies to the first £5,000, above that the interest rate is 0.50%.
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Interest Rate (AER) i	3.2%
Minimum Opening Balance i	£1.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	3 withdrawals of up to 10% of the balance are allowed during the term, any further withdrawals will result in the loss of 90 days of interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.3%
Minimum Opening Balance i	£1.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	3 withdrawals of up to 10% of the balance are allowed during the term, any further withdrawals will result in the loss of 180 days of interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	0.65%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?