This important legal information relates to this website (the "Site") and contains the terms on which we make it available to you. It also includes important information about the regulatory status of some of our companies and important risk warnings.
If you have any questions or comments about this Site please Contact us.
Calls may be recorded for security reasons and so that we may monitor the quality of our service.
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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 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.
Use of site
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.
Copyright, all rights reserved
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.
Data protection and Privacy
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.
Third party products and services
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.
Countries from which you may access this site
This Site is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. You should not access the site or information on this site if you know that your access would contravene applicable local, national or international laws.
For guidance on rules governing your use, please contact a legal adviser. In particular, this site is not directed to, or intended for use by, residents of the United States, Japan, Malaysia, Taiwan or India.
If you wish to complain, please see our Contact us page for information on how to make a complaint.
Online dispute resolution
If we have not been able to resolve your complaint to your satisfaction AND you have bought our products or services online you can use the details below to send your complaint to the Financial Ombudsman Service (FOS) for an independent review.
The ODR Regulation
The European Commission has established an online dispute resolution platform (ODR platform). This is specifically designed to help customers resident in the European Union who have bought goods or services online from traders established in the European Union but were unable to get their complaint resolved to their satisfaction. You can submit your complaint online through the ODR platform in any of the official languages of the European Union. The platform will then send your complaint to the Financial Ombudsman Service (FOS) for an independent review within 90 days. To save time you may wish to contact the FOS directly.
You can access the platform by visiting the ODR website
As a Barclays customer, you may use this service if you are still resident in the EU and purchased your product or service with us online.
You will need:
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 Barclays Bank UK PLC: Barclays Bank UK PLC also trades under the names Barclays, Barclays Business Banking, Barclays Premier Banking and Barclays Wealth Management. Any total deposits you hold above the limit between these brands are unlikely to be covered.
How FSCS protects your money [PDF, 3.7MB]
Investment products and services are provided by Barclays Investment Solutions Limited (BISL), which is a wholly-owned subsidiary of the ring-fenced bank. 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 rule 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.
This will not affect your access to your uninvested cash.
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). 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. 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 the deposits with one of the banks in which BISL deposits Client Money and this takes you over the FSCS compensation limit with that bank). However, losses caused by a failure in duty by BISL will, for eligible claimants, be protected by the FSCS up to the first £50,000 (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:
- Credit Agricole Corporate and Investment Bank
- Royal Bank of Scotland PLC
- Citibank N.A. London branch
- Citibank N.A.
- Barclays Bank PLC
- Barclays Bank UK PLC
The panel is subject to regular review and may change at BISL's discretion.
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.
Risk warnings about investing
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.
Risk warnings about legal and tax advice
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.
Risk warnings about borrowing
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.
Risk warnings about dealing with offices outside the UK
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.
Company and regulatory information
Unless otherwise indicated, information contained within this Site is provided by Barclays Bank UK PLC and Barclays Investment Solutions Limited.
Barclays offers banking, wealth and investment products and services to its clients through Barclays Bank UK PLC and its subsidiary companies. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP.
Barclays Investment Solutions Limited is authorised and regulated by the Financial Conduct Authority and is a member of the London Stock Exchange and NEX. Registered in England. Registered No. 2752982. Registered Office: 1 Churchill Place, London E14 5HP.