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Savings accounts important info

Savings accounts important info

Important information about your accounts

Cooling off (except cash ISAs)

If you are not happy with your account, you have a 14-day period in which to contact us to cancel your account or switch to another account. This period begins on the date your account is opened or the date you receive your terms and conditions and other account information, whichever is the later. If you contact us within this period to cancel or switch your account, we will refund any account fees you may have paid. However, if you cancel or switch your account at a later date, you will not be refunded the account fees that you have paid. If you wish to cancel or switch your account, you should tell us by writing to Barclays Bank PLC, Leicester Servicing Centre, Leicester LE87 2BB.

Cancellation rights (cash ISAs only)

If you are not happy with your ISA account , you have a 14 day period in which to contact us to cancel your account. This period begins on the date your account is opened or the date you receive your terms and conditions and other account information, whichever is the later. If you contact us within this period to cancel your ISA account, the agreement between us will be cancelled, and the balance on your account and any gross interest earned will be repaid to you. Subject to HM Revenue & Customs conditions, you will still be able to open an ISA with another ISA manager or us and your full annual subscription limits will remain. If you wish to cancel your ISA account call into your local branch or write to Barclays Bank PLC, Leicester Servicing Centre, Leicester LE87 2BB.

Our interest rates explained

Gross rate

‘Gross’ is the rate payable without tax taken off.

AER – Annual Equivalent Rate

'AER' shows what the interest rate would be if interest was paid and compounded once each year.

Tax

Interest is paid gross. If you’re a UK taxpayer, you may have to pay tax on interest earned in excess of your Personal Savings Allowance.

For information and guidance please refer to the HMRC website .

Please note, it’s your responsibility to ensure that any tax due on interest payments received is paid to the appropriate tax authority.

Tax-free

Indicates that the 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.

Changes to our interest rates

Changes to our interest rates will be made in accordance with our terms and conditions.

Important information

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2. Your eligible deposits with Barclays Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here for further information www.fscs.org.uk .