Personal Banking

1. The rate which you are offered is based upon your personal situation, the loan amount and may also depend on the repayment term. Eligibility criteria and conditions apply. You must be a UK resident to apply. Loans are subject to your circumstances at the time of applying. The rate offered may differ from the representative APR.

 

2. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year

 

3. You can access 30% of your money by making 3 withdrawals of up to 10% each time. Rates shown are for 18 Month Flexible Bond Issue 10 and interest is paid at end of term. Monthly interest options also available depending on product. Rates are fixed for the term, although withdrawals could take the balance into a lower tier.

 

4. Overdrafts are subject to status and application. All borrowing is repayable on demand.

 

5. Offer open to new home insurance customers only. Take out a standalone contents policy or a combined buildings and contents policy from Barclays when you buy Barclays Home Insurance and receive your contents cover for half price in the first year. Quotes must be obtained by 30 June 2011 and are valid for 90 days. Offer may be withdrawn or amended at any time. Home emergency and legal expenses are excluded from the offer.

 

6. Discount between 19% and 30%, depending on your personal circumstances.

 

7. You'll need to have been an active current account holder for at least 12 months, paying in £3,000 or more per month for the last 6 months and have an excellent credit history. Terms and conditions apply.

 

8. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

 

9. Tax-free: Indicates that interest is exempt from UK income tax provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on the individual taxpayer.

 

10. Terms and conditions apply. You must have a UK current account and be aged 16 or over to use Barclays Pingit. You can download the app and register to send and receive payments but if you bank elsewhere, we can set up a Barclays Pingit Wallet account for you to use. You can also register online to only receive payments. Payments in sterling to UK mobile numbers only. Minimum payment of £1, the daily payment limit is £300 and the daily receiving limit is £5000. If you have received any payments, you must register within 24 hours or these will be cancelled. The Barclays Pingit app only works with Android 2.2 and above, iOS 4.2 and above and BlackBerry OS 5.0 and above. You may be charged by your service provider for mobile or internet use. Business customers on certain tariffs will be charged for transactions. We can refuse to register you for Barclays Pingit or place limits on how you use it. Visit Barclays Pingit for Business customers for more information.

 

11. Available to Barclays current account holders or customers with £500+ saved with us.

 

12. Only applies to customers who have already registered for Barclays Online Banking and who log in to apply using their PINsentry or passcode & memorable word. We'll transfer the money to your Barclays account before 5pm as long as you apply on a working day (Monday to Friday), your loan is approved, you can print off your agreement and you sign your agreement in Online Banking before 2pm on the same day. Sign online after 2pm and we’ll transfer the money the next working day. If you're not eligible to complete your application in Online Banking (for example, you do not have a Barclays current account), please visit your nearest Barclays branch and one of our advisers will assist you with your loan application. You are not required to have a Barclays current account to apply for a Barclayloan.