Important information

If you have any questions or comments about this Site please:

• Contact us if you are a Barclays Bank UK PLC customer.
• Contact us if you are a Barclays Bank PLC customer.

Calls may be recorded for security reasons and so that we may monitor the quality of our service.
Call costs may vary. Please check with your telecoms provider.

References to "you" or "your" are references to any person accessing the Site. References to "we", "us" or "our" are references to Barclays Bank UK PLC or Barclays Bank PLC, or any affiliate as appropriate. References to "Barclays Group" are references to us, our parent company and any companies we or our parent company totally or partly own at any time.

These terms govern your use of the Site and by accessing the Site you agree to be bound by them. Certain sections of the Site may be governed by separate terms in addition to these Site terms. In the event of a conflict, the separate terms will take precedence for those sections.

Please note that if you are an existing Barclays customer, these terms will apply in addition to those contained in your product or service terms, an additional copy of which can be obtained from us. All Barclays products and services are subject to separate terms which govern their use. We may change these Site terms at any time without notice by updating this posting and your continued access to or use of this Site will constitute your acceptance of any such changes.

We may terminate your access to or use of this Site for any valid reason, including where we believe that you have not acted in accordance with the terms of this Site.

The entire content of this Site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), transmit or modify the Site without our prior permission. However, you may print out part or all of the site for your own personal use.
No third party is permitted to link any other website to this Site or frame or scrape the content of this Site without obtaining our prior written consent.

By using our Site, you agree with the collection, the use and the disclosure of your personal data in accordance with our Privacy Policy.
If you bank with Barclays Bank UK PLC please visit here
If you bank with Barclays Bank PLC please visit here.

We may record and monitor calls made or received by us to maintain high quality service standards, to check instructions and for your protection and ours.

Where we provide links to third party websites, such links are not an endorsement by us of any products or services in such websites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such websites. We have not verified the truth or accuracy of any content of such websites.

This Site may also contain some material provided by third parties and we accept no responsibility or liability for the accuracy of such material.

Nothing on this Site is intended as a solicitation, offer, or recommendation to acquire or dispose of any investment or to engage in any other transaction, or to provide any investment, advice or service. You should obtain relevant and specific professional advice tailored for your personal circumstances before making any investment decision.

We may ask you questions about your tax position and may explain to you the general legal or tax position relating to our products or services. You understand and agree that we do this to provide you with information on those products or services and to assist you in selecting which products or services may be appropriate.

You acknowledge that we are not a legal or tax adviser and do not provide legal or tax advice. You understand and agree that you must obtain your own independent advice, tailored to your own particular circumstances. You will not rely on the information provided by us as a substitute for taking your own independent tax and legal advice.

You have sole responsibility for the management of your tax affairs, including making any applicable filings and payments and complying with any applicable laws and regulations in relation to taxation. We do not condone or support any conduct by you that is in violation of any rules, regulations or laws applicable to yourself.

Certain jurisdictions have a requirement for us to either withhold tax on certain payments and/or report these payments or other information to tax authorities.

Please refer to any terms and conditions provided to you for additional tax related information.

United States Taxation IRS CIRCULAR 230: We do not provide tax advice. Please note that (i) any discussion of US tax matters cannot be used by you for the purpose of avoiding tax penalties; (ii) any information which may be provided on this Site is provided to support the promotion or marketing of the matters addressed herein; and (iii) you should seek advice based on your particular circumstances from an independent tax advisor.

Although we have taken reasonable care to ensure that the information on this Site is accurate, we give no warranties with regard to the accuracy, timeliness or completeness of that information.

Opinions and any other content of the Site are provided by us for your personal use and informational purposes only. They are subject to change without notice.

We accept no liability for any losses of any kind unless directly caused by our negligence, wilful default or fraud.

However, we do not exclude our duties or liabilities under applicable legal or regulatory requirements.

We may modify, suspend or discontinue, temporarily or permanently, the Site or any part of it, with or without notice, at any time. We shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the Site.

English law governs these terms and the English Courts shall have non-exclusive jurisdiction to determine any matter or dispute in connection with or arising out of this Site and these terms.

We want to hear from you if you feel unhappy with the service you've received from us. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our clients. You can contact us in person, in writing, by email or by telephone. You can also contact your Private Banker or Relationship manager in person or via their direct contact details.

When you contact us please make sure you give us the following information:

• Your name, address and account details
• A clear description of your concern or complaint
• Details of what you would like us to do to resolve the complaint
• Copies of any relevant documents/information
• A daytime telephone number and any times during which we can contact you.

We will try to resolve your complaint as quickly as possible. The first step is for us to be clear about the nature of your complaint, and to identify what we can do to resolve the issue. The more information you can provide us the better.

Sometimes we will not be able to solve the problem with you ‘on the spot’. If we are unable to resolve your complaint by the following day we will:

• Send you a written acknowledgement of your complaint
• Confirm who will handle your complaint and how you can contact them.

We aim to resolve your complaint within four weeks. However, if we are unable to do this we will send you a written update to let you know when we expect to reply. If we have been unable to complete our investigations within eight weeks, we will write to you again to explain why there is a delay. When we have finished our investigations into your complaint we will be in touch to provide you with a full response.

If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service in the United Kingdom, or the equivalent service for complaints which originate from jurisdictions outside of the United Kingdom.

You can obtain a copy of the Financial Ombudsman Service explanatory leaflet from any member of staff or contact the Financial Ombudsman Service directly at:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

Barclays Bank UK PLC

Your eligible deposits with Barclays Bank UK PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Barclays, Barclays Bank, Barclaycard, Barclays Business, Barclays Premier. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please ask here for further information or visit www.fscs.org.uk.

Investments: If we are unable to meet our liabilities in respect of investment business, if you make a valid claim you may be entitled to redress from the FSCS in respect of the investments that we arrange. This depends on the type of business and circumstances of the claim. Most type of investment business' are covered for 100% of the first £85,000. Further information about compensation arrangements is available from the FSCS.

How FSCS protects your money [PDF, 82KB]

Client Money

Investment products and services are provided by Barclays Investment Solutions Limited (BISL), which is a wholly-owned subsidiary of Barclays Bank PLC. As BISL is not a bank, any un-invested cash in your investment portfolio is held as ‘Client Money’ (in accordance with the Client Asset and Money rules of the Financial Conduct Authority), rather than being held as a bank deposit. Client Money is held on trust and therefore can’t be used by BISL for either its own activities or to reimburse creditors in the unlikely event that BISL becomes insolvent.

Un-invested cash is held by BISL in pooled Client Money accounts across a range of banks. So in the unlikely event of BISL becoming insolvent your money should be protected and returned to you. By diversifying the banks where your uninvested cash is held, and by regularly reviewing the criteria for selecting those banks, BISL will aim to minimise the risk to customers of incurring losses if one of those banks becomes insolvent.

Panel of Banks

Client money is placed by BISL, with a panel of regulated and authorised banks it selects.

Where the bank is authorised in the UK, where eligible, deposits may be protected under the Deposit Protection Scheme, up to the applicable limit should one of those banks become insolvent (currently this is £85,000 for all cash held per depositor, per bank). In some circumstances this may result in a reduction in the level of Financial Services Compensation Scheme deposit protection (for example, if you already hold deposits with one of the banks in which BISL deposits Client Money and this takes you over the FSCS compensation limit with that bank).

Where the bank is authorised in a country outside the UK, deposits may be eligible for an overseas compensation scheme although the basis and amount of any protection may differ.

Losses caused by a failure in duty by BISL will, for eligible claimants, be protected by the FSCS up to the first £85,000 (per investor, per firm) in the event that BISL was to become insolvent.

Currently, BISL Client Money is held with a panel comprising the following authorised institutions:

• Bank of Scotland PLC
• Barclays Bank PLC
• Barclays Bank UK PLC
• Citibank, N.A.
• Credit Agricole Corporate and Investment Bank
• HSBC Bank PLC
• Skandinaviska Enskilda Banken AB (Publ)
• Societe Generale SA
• Standard Chartered Bank
• The Bank of New York Mellon
• The Northern Trust International Banking Corporation
• The Royal Bank of Scotland PLC

The panel is subject to regular review and may change at BISL’s discretion.

Barclays Bank PLC

UK

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. This limit is applied to the total of any deposits you have with the following: Barclays, Barclaycard, Barclays Corporate Banking, Barclays Investment Bank, Barclays Private Banking,. Any total deposits you hold above the limit between these brands are unlikely to be covered.

For further information visit www.fscs.org.uk.

Investments: If we are unable to meet our liabilities in respect of investment business, if you make a valid claim you may be entitled to redress from the FSCS in respect of the investments that we arrange. This depends on the type of business and circumstances of the claim. Most type of investment business' are covered for 100% of the first £85,000. Further information about compensation arrangements is available from the FSCS.

How FSCS protects your money [PDF, 75KB]

Guernsey

Barclays Bank PLC, Guernsey Branch, is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any five year period. Full details are available on the Scheme’s website www.dcs.gg or on request.

Isle of Man

Deposits made with Barclays Bank PLC, Isle of Man branch are covered by the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010. Full details are available on request or visit the Isle of Man Financial Service Authority website.

Jersey

Barclays Bank PLC, Jersey branch is a participant in the Jersey Banking Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any five year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website or on request.

Monaco

Barclays Bank PLC Monaco is licensed to operate its activities in Monaco and falls under the dual supervision of the Monegasque regulator ‘Commission de Contrôle des Activités Financières’ (with regards to investment services) and the French regulator ‘Autorité de Contrôle Prudentiel et de Résolution’ (in respect of banking services).

The Fonds de Garantie des Depots et de Resolution (FGDR), created by law in 1999, protects clients when a banking institution fails. The Deposit Guarantee compensates depositors for an amount up to €100,000 per person, per institution.

The Investors Guarantee compensates up to €70,000 per person, per institution, for securities (stocks, bonds).

The FGDR can also intervene on a Resolution basis, before the institution fails.

Risk warnings are provided for your information and protection. We strongly encourage you to read them and to contact us if you have any questions about the features or risks of any investment or service.

Illustrations of the likely risk and reward properties of possible portfolios and investments on this Site are not specific advice about any investment and you should not rely on them. Any illustrations are accurate at the time of writing, and may be subject to change.

The recommendations made for your actual portfolio might differ from any asset allocation or strategies outlined on this Site. Please ensure that your portfolio is updated or redefined when your investment objectives or personal circumstances change.

The value of the investments which may be stated on this Site, and the income from them, may fall as well as rise. Past performance of investments is no guide to future performance.

You may not get back the amount of capital you invest. Any income projections and yields are estimated and are included for indication only. Further, any valuations given on this Site may not accurately reflect the values at which investments may actually be bought or sold and no allowance has been made for taxation.

Data which may be found on this Site is based on quantitative research and analysis of historical data using current and proposed asset weightings and proprietary projections of expected returns and estimates of future volatility. Data does not reflect actual trading, liquidity constraints, fees and other costs. It should not be taken as a forecast or estimate of likely future returns. As illustrations do not take into account fees and commissions, or taxation, the actual performance of any investment might be more or less than is stated in any illustration.

Products or services that involve leverage can result in losses that exceed your initial deposit and may not be suitable for all investors.

We do not provide any legal or tax advice and recommend that you obtain your own independent legal advice and independent tax advice, tailored to your particular circumstances. In order to provide you with information on our products and services, we may explain to you our understanding of the general tax position relating to them. We do not assume any legal responsibility for anyone acting on the information provided, and as tax law is subject to frequent change your position should be checked with an independent professional advisor.

If a loan is denominated in a currency other than Sterling, changes in the exchange rate may increase the Sterling equivalent of your debt. For loans secured on property, the Barclays Group will require a first charge over the property. Your property may be repossessed if you do not keep up repayments on your mortgage.

As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money. And remember, if you should run into any difficulties please contact us as soon as you become aware of them.

Rules and regulations for the protection of investors and/or deposits under the UK Financial Services and Markets Act 2000 may not apply to any business conducted from offices located outside of the UK and investors and/or depositors conducting business through our non-UK offices may not be able to benefit from the provisions of the UK Financial Services Compensation Scheme.

Barclays Bank UK PLC

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Barclays Bank UK PLC adheres to The Standards of Lending Practice which is monitored and enforced by The Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078). Registered in England. Registered No. 973765. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank PLC

Barclays offers private and overseas banking, credit and investment solutions to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No.122702) and is a member of the London Stock Exchange and Aquis. Registered in England. Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Investment Solutions Limited is authorised and regulated by the Financial Conduct Authority. (Financial Services Register number: 155595). Barclays Investment Solutions Limited is a member of the London Stock Exchange & NEX. Registered in England. Registered No. 2752982. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank PLC, Jersey Branch is regulated by the Jersey Financial Services Commission. Barclays Bank PLC, Jersey Branch is regulated by the Guernsey Financial Services Commission under the Protection of Investors Bailiwick of Guernsey) Law 1987, as amended. Barclays Bank PLC, Jersey Branch has its principal business address in Jersey at 13 Library Place, St Helier, Jersey JE4 8NE, Channel Islands.

Barclays Bank PLC, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Bank PLC, Guernsey Branch has its principal place of business at Le Marchant House, St Peter Port, Guernsey, GY1 3BE.

Barclays Bank PLC, Isle of Man Branch is licensed by the Isle of Man Financial Services Authority. Barclays Bank PLC, Isle of Man Branch has its principal business address in the Isle of Man at Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ.

Barclays Wealth Management Jersey Limited is regulated by the Jersey Financial Services Commission. Registered in Jersey. Registered Number: 47326. 39-41 Broad Street, St Helier, Jersey JE2 3RR, Channel Islands.

In the Principality of Monaco, Barclays Bank PLC operates through a branch which is duly authorised and falls under the dual supervision of the Monegasque regulator ‘Commission de Contrôle des Activités Financières’ (with regards to investment services) and the French regulator ‘Autorité de Contrôle Prudentiel et de Résolution’ (in respect of banking services). The registered office of Barclays Bank PLC Monaco branch is located at 31 avenue de La Costa, MC 98000 Monaco – Tel. + 377 93 15 35 35. Barclays Bank PLC Monaco branch is also registered with the Monaco Trade and Industry Registry under No. 68 S 01191. VAT No. FR 40 00002674 9.

Barclays Bank (Suisse) SA is a bank registered in Switzerland and regulated and supervised by FINMA. Registered No. CH-660.0.118.986-6. Registered Office: Chemin de Grange-Canal 18-20, P.O. Box 3941, 1211 Geneva 3, Switzerland. Registered branch: Beethovenstrasse 19, P.O. Box, 8027 Zurich. Registered VAT No. CHE-106.002.386. Barclays Bank (Suisse) SA is a subsidiary of Barclays Bank PLC registered in England, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is registered under No. 1026167 and its registered office is 1 Churchill Place, London E14 5HP.

Barclays Bank Ireland PLC is registered in Ireland. Registered No. 396330. Registered address: Two Park Place, Hatch Street, Dublin 2. Regulated by the Central Bank of Ireland, PO Box 559 Dame Street, Dublin 2. . Calls may be recorded for security and other purposes.

Barclays Bank PLC, India Branch. Visit Barclays.com. Registered Office in India: 801/808 Ceejay House, Shivsagar Estate, Dr Annie Besant Road, Worli Mumbai 400 018. Barclays Bank PLC. is a member of Banking Codes and Standards Board of India.