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Brexit and the EEA

Changes that could affect your accounts

If you have an address in the European Economic Area (EEA) or if you move to the EEA in the future, you may face changes to your banking and investment products and services. 

Please check this site regularly, as we’ll update it with information on products and individual EEA countries.

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Your savings and/or current account is going to close

We recently wrote to you to let you know that your savings and/or current account is going to close. To stop your account from closing, you’ll need to

  • Let us know if you’re not living in the EEA so we can update your address. You must be living at this address – it can’t be an address of a family member or friend
  • Let us know if you, or your spouse or civil partner, are a Crown employee, or if the EEA address on your account belongs to someone else

If you’re still living in the EEA, you’ll need to do the following before we close your account

  • Make other arrangements for your savings and current account banking needs
  • If you have a cash ISA, transfer this to another UK bank or building society, or close your account. You’ll need to use the ISA Transfer Service to keep your tax-free benefits
  • Withdraw all your money and repay any outstanding overdraft balances
  • Make other arrangements for payments going in and out of your account, like Direct Debits and standing orders
  • Collect any items held in our safe custody 
  • Download any statements or items you need from ‘Statements and documents’ in the app or Online Banking 

You can find out more about which countries are affected by account closure, and how to change your addressclose your accounts, and transfer your cash ISA, in our FAQ section below.

If your savings and/or current account has been closed

If your account has been closed, you can claim your account balance, plus any interest you might have earned since it closed. The quickest way to do this is online, but you can also post the request to us, or visit one of our UK branches.

You can claim all your savings, current accounts and cash ISAs together on the same form. Here’s some guidance on claiming your money if your address is in the EEA.

How Brexit could affect your accounts

As a ring-fenced bank, Barclays UK products are designed for customers within the UK. In light of the UK leaving the EU at the end of 2020, we continue to review the products and services we offer to customers within the European Economic Area (EEA).

We’ll contact any customers who are affected by our review. Please check this site regularly, as we’ll update it with all the information you need to know about specific products that are affected within individual EEA countries.

If we’ve contacted you about the closure of your accounts, it means we can no longer provide them for you. This is because we have an address for you, or someone else associated with your account, in an EEA country.

If you’re resident in the UK and you think we might have an address for you in the EEA, please contact us as soon as possible so we can update our records.

We’re sorry if you’re affected by these changes. We want to thank you for being a loyal customer and we hope that, if you return to the UK, you’ll bank with us again. 

We’re here to help with any questions you have. The Barclays app is the quickest way to speak to us. Just log in, scroll down to ‘Contact us’, tap ‘Chat’ and we can help you straight away.

Help with our communications
 

Haven’t received anything from us?

You don’t need to do anything if one of your addresses is in the EEA and we haven’t contacted you. If this changes, we’ll give you as much notice as we can to take any action. We’ll also make closing your accounts as simple as possible. 

Moving to the EEA in the future?

If you’re thinking of moving to the EEA in the future, please be aware that the products and services you have with us might change. We’ll send you a letter to confirm any changes and let you know how you’ll be affected.

Do we have the right address for you?

If we’ve contacted you, it’s important that you check and update your address if it’s incorrect. An incorrect address could affect the banking and investment products and services we can offer you.

For your accounts to remain unchanged, you and everyone you hold an account with need to be living outside of the EEA – all of the addresses we have for you also need to be outside of the EEA.

It’s important to check all of the different addresses you or anyone you hold an account with have given us. This includes residential, correspondence and statement addresses. 

Under what circumstances can I have an EEA address and keep my accounts open?

You might be able to keep an EEA address if you meet one of the following criteria

  • You’re a Crown employee, or if you’re the spouse or civil partner of a Crown employee
  • The overseas address on your account is for someone who manages your account on your behalf (for example, someone who has power of attorney), or for someone who is set up to receive information on your behalf (for example, an accountant or lawyer)

Please contact us if any of these apply to you and we’ll make sure your accounts are set up correctly. Other restrictions may apply. 

Are you a Crown employee? 
 

Is the EEA address on your account for someone who manages your account?
 

How we can help

Please get in touch to discuss any personal circumstances that mean you might need extra help (for example, you’re suffering serious ill health or a bereavement). 

Frequently asked questions

Our answers are correct at the time of writing on 5 August 2021. Things could change, so check this page regularly for the most up-to-date information.

  

General questions

Which countries are in the EEA?

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

What happens if your address stays in the EEA?

If you’re resident in the EEA, we’ll write to you with next steps if you’re affected by these changes. We’ll update the guidance here too.

Why have you contacted me? 

As a ring-fenced bank, Barclays UK products are designed for customers within the UK. Now that the UK has left the EU, we’ll continue to review the services we offer to customers within the European Economic Area (EEA).

We’ll contact you directly if you’re affected by the changes. We’ll give you as much notice as we can to take any action and we’ll make closing your accounts as simple as possible.

We’re sorry if you’re affected by these changes – we want to thank you for being a loyal customer and we hope that, if you return to the UK, you’ll bank with us again.

What's an acceptable UK address? 

If you live in the UK, your address must be in one of these countries

  • England
  • Scotland
  • Wales  
  • Northern Ireland

We can’t accept a PO Box, C/O or a Barclays branch address.

Updating your address 

Do I need to change my address to a UK address to keep my accounts open?

If you’ve received a communication from us about the closure of your accounts, all addresses we have for you must be outside of the EEA. This includes all addresses on each of the products you have with us. An address associated with your account for a third party in the EEA (for example, an accountant or someone with power of attorney) is fine.

Can I update my address details online?

We’re sorry, you can’t change an EEA address online or in the app. You can update your address using 'Chat' in your app. Alternatively, you can call us or, if you’re in the UK, visit one of our branches.

We’re helping a lot of customers right now, so you might need to wait longer than usual to speak to us or get an appointment at a branch. Please bear with us and thanks for your patience.

How can I update my address if I can't get to a branch, can’t travel due to restrictions, or I’m not registered for Telephone Banking or the app?

You can send a written request to

Barclays, Leicester, United Kingdom LE87 2BB

You'll have to give us authenticated ID. The people who can certify documents as evidence of your identity are

  • A Barclays (or ABSA) branch member of staff, who should use the office or branch stamp
  • A member of staff at a major international bank
  • A consular or embassy official from your consulate or embassy
  • A qualified lawyer who is a member of the National Legal Association in a Financial Action Task Force (FATF) country or equivalent

I don’t think I have an EEA address on the accounts that are closing?

The EEA address could be associated with some of the other accounts you have with us. Please get in touch so we can check the addresses we have for you and update them if necessary.

I don’t have an EEA address, so this must be associated with one of the people on my joint accounts. Can I keep the accounts open?

All account holders need to be living outside of the EEA and every address we have for everyone on the accounts must be outside of it too. This includes all of the addresses on each of the products you have with us.

To keep the accounts open, anyone on the account with an EEA address needs to contact us to update their address. Alternatively, removing a party with an EEA address from an account will mean that the account can stay open.

I’m studying or living in the UK but plan to return to the EEA. Can I keep my accounts open?

If you’re living in the UK, you’ll need to update all of your addresses to your UK address. Then, your accounts can stay open until you return to the EEA.

If the EEA correspondence address on my account is for a holiday home, is a friend or family member’s address and is not my main residence, what can I do to keep my accounts open?

You need to update your address details to your main address, as long as it’s outside of the EEA, to keep your account open. This includes all addresses on all of the products you have with us. You can access your statements and correspondence through ‘Statements and documents’ online or in your app, rather than having them sent to an EEA address. 

Can I use a relative’s or friend’s address in the UK to stop my account being closed? 

No, it’s important that you continue to use the address where you live. 

What happens if I’ve moved to another EEA country that isn’t affected by these changes?

We’ll update your address details, but if you’re still living in the EEA, you might still be affected by the changes. If that's the case, we'll write to you.

I’m a Crown employee or a spouse or civil partner of a Crown employee. Can I keep my accounts open?

This might be possible. Please contact us so we can update our records.

I’ve already given you updated address details – why are my accounts still being closed?

If you’ve received a letter from us, we might still have an EEA address for you on one of your other products or services. Please contact us so we can update any address that’s still within the EEA.

I’m moving to the EEA in the future – how will this affect my accounts?

You’ll need to let us your know your new address when you move to the EEA. This might affect your accounts, but we’ll write to you to let you know how.

EEA residents – making changes to your banking

Can I have my UK state pension paid into a non-UK bank account?

Yes. The government provides guidance about pensions for UK nationals in the EEA or you can contact the International Pension Centre.

Can I transfer my account to another UK bank using the Current Account Switch Service (CASS)?

The Current Account Switch Service is only available to people who live in the United Kingdom, the Isle of Man, Guernsey and Jersey. Please contact the bank that you’d like to switch to for more details.
 

How do I transfer my cash ISA using the ISA Transfer Service?

If you want to transfer your cash ISA to another UK bank or building society and keep your UK tax-free savings benefits, you’ll need to use the ISA Transfer Service.

Once you’ve chosen a new provider, ask them to open an account and start the ISA transfer process with us. Once we receive the ISA transfer request, we’ll keep your account open for you so the ISA transfer can be processed.

If you have a Flexible Cash ISA, we won’t charge you the usual fee to transfer your funds before the end of its term.

The transfer can take up to three weeks to complete – start making these arrangements now so there’s enough time for your new provider to contact us. 

Following this process will protect the UK tax-free savings benefits of your cash ISA savings.

I have a Mortgage Reserve on my Mortgage Current Account. Can I continue to use this?

We sent you a letter with information about your Mortgage Reserve. If your Reserve is

  • Not being used - it’ll be removed on the date on the letter – you won’t be able to use your Reserve after this date
  • Being partially used - we’ll reduce your Reserve to cover the balance on your account from the date on the letter. You won’t be able to make payments from your account and we’ll reduce your Reserve every time money is paid into your account
  • Being fully used - from the date on the letter, we’ll reduce your Reserve every time money is paid into your account

Closing your account

I have or had an overdraft on my account. Can I use this before the account is closed?

The letter we sent you has more information on the accounts that are closing, and how this might affect your overdraft. If the overdraft is

  • Being removed – you can’t use your overdraft after the removal date
  • Being reduced – you can still use your overdraft but you need to stay within your new limit and ensure any overdrawn balances are repaid before the account is closed
  • Remaining unchanged – you can continue to use your overdraft but make sure any overdrawn balances are repaid before the account is closed

If you don’t have an EEA address or if you meet one of the exceptions, please let us know as soon as possible so you can keep using your accounts. If you have an overdraft on any of your accounts, any changes to it that haven’t taken effect when we update your details will no longer apply.

My account is overdrawn and I can’t pay this back before my account closes. What should I do?

Please get in touch so we can help. If your account is closed with an outstanding balance, then we may pass your details to our financial assistance team. They’ll contact you to discuss your options to repay the money.

I’ve been charged a fee for transferring money from my account that’s closing, but I was told there were no fees.

We’ll waive any fees for transferring money out of the account that’s closing. If we’ve charged you in error, please get in touch so we can refund the fee. However, depending on the banking provider for your receiving account, you might be charged for receiving the money. Please check with your provider if you have any questions.

I have items in a safety deposit box but I can’t get to the UK to empty it before my account closes.

You’ll need to arrange for someone else to collect the items on your behalf. Please contact us to set up a third-party authority on your account.

Are there any alternative Barclays accounts I can have?

We’re sorry, we can’t offer you any new accounts if you’re an EEA resident.

Can you re-open my account after it’s been closed?

We’re sorry, we can’t re-open an account that's been closed. If you'd like to apply for a new account, you need to be a UK resident and meet our eligibility criteria.

I have an account with an overdrawn balance and one with a credit balance. Can you use my credit balance to repay my overdrawn balance?

Yes, please get in touch so we can help you move your money to repay the overdrawn balance. You’ll need to make other arrangements for any remaining credit balance, tell us to where to pay this money and any accrued interest, and then close the account. 

Claiming your money

I’ve moved back to the UK but I was unable to contact you and now my account has been closed. How do I get my money back?

You can claim the balance of your savings and/or current account and any interest earned since it was closed. The quickest way to do this is online – but you can also post the request to us, or visit one of our UK branches. We’ve provided guidance to help you claim your money if your address is in the EEA and your account has been closed.

How long will it take to get my money back?

We’ll aim to send you your money within ten working days of receiving your completed claim request and all supporting certified documents to prove your identity. It might take longer if we need to send a cheque, as it’ll be dependent on your local postal service.

If you choose to keep your UK tax-free benefits on your cash ISA savings and instruct us to open a new account for your cash ISA balance, it might take a bit longer to process.

How do I claim money from my cash ISA that’s been closed?

You can claim money from your closed cash ISA in the same way as claiming from your other savings or current accounts. The quickest way to do this is using our online form, but you can also print and post the form to us or visit one of our UK branches. Our guide explains how to claim your money and includes links to our online and printable claim forms.

If you want to keep your UK tax-free benefits on your cash ISA savings, you’ll need to instruct us to open a new account for you. You’ll need to arrange to transfer the balance to another UK cash ISA provider within two months of the account opening.

My cash ISA has been closed, can I transfer the balance to another provider?

You can claim the balance and any interest earned since the cash ISA was closed. We’ll need to open a new account for each ISA you claim and pay your cash ISA balances into these accounts.

You’ll need to instruct us to do this by completing the claims form and posting it to us. We’ll open a new account for you, repay your balance to this account and write to you with details of the new account number and sort code. 

If you’re living outside the UK, you’ll need to transfer this balance to another UK cash ISA provider within two months of us opening this account for you. You’ll first need to check with your new provider that you’re eligible to transfer your cash ISA balance to them.

Other queries

I have other accounts with you but I haven’t received any communication about these yet.

We’ll contact you separately if they're affected, and explain what you need to do and when.

I need copies of my financial statements. How can I get statements and do I have to pay a fee?

You can download any statements you need now before your account closes. You can do this through ‘Statements and documents’ either in our app or Online Banking.

We can send you statements from the past five years for your current accounts free of charge after we close your account. You can contact us to arrange this.

Where can I find more information on Brexit?

You can find further information on Brexit on our website or visit the government’s website.

For guidance on the wider financial services changes after Brexit, please visit UK Finance or the Money and Pensions Service.

I’m unhappy that you're closing my accounts. How do I complain?

We’re sorry that you’ve been affected and we’d like to thank you for banking with us.

If you’d like to make a complaint, you can download this guide. You can also ask for a copy at any of our branches or by calling 0800 400 100*.

Alternatively, you can write to us at Barclays, Leicester United Kingdom LE87 2BB.

If you’re still unhappy after making a complaint to us, you might be able to refer it to the Financial Ombudsman Service.

Other Brexit resources you might find useful

EU and British flags

What Brexit means for you

Helping you to make the most of the UK’s new relationship with the EU

A new era has begun for the UK and EU now that the Brexit transition period is over. To help you understand how this could affect you and what it means for your finances, we’ve put together a series of guides, articles and Q&As to support you and help you feel more confident about the future.

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Brexit and beyond

Adapting to change

We’ve put together a series of articles and guides to support you and your business, and help you feel more confident about the future.