uksecure.barclayswealth.com
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Submitted URL: http://uksecure.barclayswealth.com/
Effective URL: https://uksecure.barclayswealth.com/UAB/S/bwl_logon?CT_ORIG_URL=%2F&ct_orig_uri=%2F
Submission Tags: tag
Submission: On January 13 via api from GB — Scanned from GB
Effective URL: https://uksecure.barclayswealth.com/UAB/S/bwl_logon?CT_ORIG_URL=%2F&ct_orig_uri=%2F
Submission Tags: tag
Submission: On January 13 via api from GB — Scanned from GB
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<input id="ct_orig_uri" name="ct_orig_uri" type="hidden" value="/">
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<a href="#privacyIntro" onclick="legalview('privacyIntro');">See our Privacy Policy and Cookies Policy.</a>
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BARCLAYS
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SORRY, YOUR USERNAME OR PASSWORD IS WRONG.
Possible reasons why:
1. Have you mistyped your username or password? Please try again.
2. Does your computer have ‘Auto Complete’? This stores usernames and passwords
so you don’t have to retype them but sometimes it can get them wrong. Please
delete any existing usernames or passwords and retype them.
3. Did you cut and paste your temporary password? Sometimes this adds an extra
character. Please retype your temporary password.
4. Do you have the ‘Caps Lock’ button turned on? Your password is case
sensitive. So please switch ‘Caps Lock’ off and retype your username and
password.
Are you having problems logging in?
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WE'VE LOGGED YOU OUT FOR YOUR SECURITY
We automatically log you out if you don't use our site for 20 minutes. Please
log in again.
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WE'VE LOGGED YOU OUT FOR YOUR SECURITY.
Please log in again.
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SORRY, YOU CAN'T CURRENTLY DO THIS
This is because we're performing essential maintenance. Please try again later.
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SORRY, YOU NEED TO LOG IN VIA WEALTH ONLINE BANKING
Please go to Wealth Online Banking – and log in using your membership number and
passcode.
If you have any problems, please call us on +44 (0)20 7574 3001. (Lines are open
twenty-four hours a day, seven days a week.)
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NEED HELP LOGGING IN?
* Forgotten your username?
Please call your usual Barclays contact.
* Forgotten your password?
Reset your password now. Still having difficulties? Please call your usual
Barclays contact.
* Problems logging in?
If you’re using your correct username and password and still can’t log in,
Please call your usual Barclays contact.
* Do you have a membership number?
If you have a membership number, not username, please log in to Online
Banking.
* Would you like to register?
To access Barclays One, please contact your usual Barclays contact.
* Unsure which username is yours?
Please log in using the link: Username not listed? For the future, it may
help you to delete your unwanted usernames.
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STAYING SAFE ONLINE
Your security is our priority. But we also need your help to keep you safe, so
please:
* Memorise your username and password – and keep them secret.
* Don’t store your username on a shared computer.
* Never save any of your security details in your browser since this may allow
others to access your account.
* Don’t reply to emails that ask for confidential information. We only ask for
your password when you log in.
* Never follow links to sites claiming to be Barclays One.
* Be vigilant. When you’re logging in, are there unexpected errors, delays or
you can’t log in? If in doubt, please call your usual Barclays contact.
i
Cookie
In common with most websites, Barclays uses cookies on this site to provide a
more robust and functional browsing experience. Please visit our Privacy and
Cookies Policy page for more information.
WELCOME TO BARCLAYS ONE
Please type your username and password
Username Please type your username.
--------------------------------------------------------------------------------
Password Please type your password. Please type your password
Remember my username
i
By ticking this box, you agree to us placing the functionality cookie to
remember your username on your PC or device. See our Privacy Policy and Cookies
Policy.
* First time logging in?
* Forgotten your username or password?
* Do you have a membership number?
* Need help logging in?
* Staying safe online
* Terms of use
* Privacy and cookies
* Security
* Accessibility
Copyright © 2018 Barclays. Products and services on this site may not be
available in certain jurisdictions. In particular, these products and services
are not being offered in Japan or the United States or to US residents. For full
details of exclusions and disclaimers, please see the important information for
Wealth Management clients or Private Bank clients before proceeding. Each
Barclays company reserves the right to make a final determination on whether or
not you are eligible for any particular product or service.
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TERMS OF USE
INTRODUCTION
1. Please read these Terms of Use (Terms of Use) and if there is anything in
these Terms of Use that you do not understand, please contact us on +44
(0)20 7574 3001 (lines are open 24 hours a day, 7 days a week) or call your
usual contact.
2. When you click “I accept” at the end of these Terms of Use, you agree to be
bound by them.
3. Barclays One (the Barclays One) is an online bank service provided by
Barclays Bank PLC (us, we, our). It enables you to view your accounts, send
secure messages to us and have access to research and product details and
other materials. It also gives access to the Barclays Wealth Online Banking
service (Online Banking) which allows you to operate your bank account(s)
using our website.
4. These Terms of Use must be read together with the terms that govern the use
of your accounts with Wealth and Investment Management at Barclays. Together
with any relevant application forms and fee schedules, they form the legal
agreement (the Agreement) that explains our and your rights and
responsibilities in your use of Barclays One and Online Banking.
5. Defined terms appear at the end of these Terms of Use and in the terms that
govern the use of your accounts.
OUR RESPONSIBILITIES
6. We will take reasonable care to ensure the security of, and prevent
unauthorised access to, our online banking, relationship and trading
services. For further information and advice on security, please read our
Security section.
7. While we will make reasonable efforts to provide the online services, we may
suspend the operation of our online services, including any online Trading
Platform, where we reasonably consider it necessary, including for technical
problems, emergencies, maintenance, regulatory reasons, where we decide it
is sensible for our protection or to ensure the continued availability of
the online services or Trading Platform.
YOUR RESPONSIBILITIES
8. You must:
1. follow the procedures and instructions in any user guidance that we give
you from time to time, including using PINsentry or any other
authentication device we give you where required; and
2. tell us as soon as you can if you become aware of any failure, delay,
malfunction, virus or error in the sending or receiving of instructions
or any suspected fraud.
9. We will not be liable for any Losses you may suffer due to any failure of
the online services, including any Trading Platform, transmission failure
or delays or similar technical errors, or problems with the software of
data feeds provided by third parties, to the extent that the failure is
beyond our reasonable control.
10. You should also ensure your computer, modem or any other device you use
complies with the standards and requirements we tell you from time to time
and carry out your own regular virus checks and security updates.
11. If you use our online services, including Trading Platforms, outside the
jurisdiction in which we provide services to you, you do so at your own
risk, as it may be against the law in that country.
12. Unless we tell you otherwise, any software, hardware or devices we provide
to you in connection with online services, including Trading Platforms, is
licensed to you. The copyright and all other rights in it and in any user
guides or other information we provide to you, remains owned by us or by
the person who licenses it to us, if applicable. You must use it
exclusively in connection with the Agreement and as described in any user
guide or other information we provide to you. You will obtain no rights,
title or interest in any such materials or intellectual property rights
relating to them.
13. The records we maintain of any online messages, instructions, payments or
other transactions will be final evidence of those messages, instructions,
payments or other transactions and of the time they are given or carried
out except where there is an obvious mistake.
14. You are responsible if, when you use our online services, you give us
incorrect instructions or mistakenly instruct us to make the same payment
more than once.
RESEARCH/ARTICLES
15. We have taken all reasonable care to ensure that the information and
materials provided on Barclays One or supplied by our text message services
are accurate but we will not be liable in any way for loss resulting from
inaccuracy or incompleteness of the information.
16. Opinions and any other contents on the Barclays One are provided by us for
personal use and informational purposes only and are subject to change
without notice.
17. Not all products and services referred to on Barclays One may be suitable
for you. Please read the risk and investment warning contained in the
research and articles carefully and speak to your usual contact if you have
any questions.
YOUR RESPONSIBILITY TO PROTECT YOUR SECURITY INFORMATION
18. You must keep all Security Details secret and take all reasonable care to
prevent unauthorised or fraudulent use of them.
19. If you suspect someone knows your Security Details, you must contact us
immediately. Tell us by telephone: +44 (0)20 7547 3001 (lines are open 24
hours a day, seven days a week). If you fail to do so, you will be liable
for any unauthorised payments on your Account(s) that are confirmed by use
of your Security Details.
20. After you have signed up to our online services, we will never contact you
with a request to disclose your Security Details in full. If you receive
such a request from anyone then it is likely to be fraudulent and you must
not supply your Security Details to them. Please forward such a request to
us at internetsecurity@barclays.co.uk and delete the email immediately.
21. You are responsible for all instructions given by you or anyone acting with
your authority between the time you pass the Security Procedure and the
time you exit our online services. In your own interests, you should not
leave the device you are using to access our online services unattended
while you are still logged on.
COOKIES
22. Barclays One uses Cookies (as defined in the Privacy and Cookies Policy) in
accordance with the Privacy and Cookies Policy. By accepting these Terms of
Use, you consent to our use of Cookies in accordance with the Cookies
Policy, which you can access. See our Privacy and Cookies Policy.
PRIVACY POLICY
23. Please refer to our Privacy Policy and note that in using Barclays One, you
agree with the collection, the use and the disclosure of your personal data
in accordance with this Privacy Policy.
VARIATION OF THESE TERMS OF USE
24. We reserve the right to change the Terms of Use at any time. Changes will
be notified to you via the website and deemed to have been accepted when
you next use Barclays One. If you do not accept the changes, you must stop
using Barclays One.
DEFINITIONS
The following definitions apply throughout these Terms of Use:
"Account" means any account or accounts maintained by you from time to time with
us that may be accessed via Barclays One; and
“Security Details” means any security procedures, passwords, security keys,
cards, personal identifiers, codes, PINs or encryption devices provided to or
agreed with you for use in connection with the services to be provided under the
Agreement.
“Security Procedure” means the correct use of the Security Details to access
Barclays One and any of the services offered via Barclays One.
“Trading Platforms” mean one or more online trading platforms on which we may
offer our Execution-Only Dealing Services.
Unless the context otherwise requires, terms defined in the terms that govern
the use of your accounts have the same meanings as in these Terms of Use.
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PRIVACY AND COOKIES
PRIVACY POLICY
Barclays is committed to protecting your personal data. We will use your
information for a number of different purposes, for example, to manage your
account(s), to provide our products and services to you and others and to meet
our legal and regulatory obligations. We may also share your information with
our trusted 3rd parties for these purposes. For more detailed information on how
and why we use your information, including the rights in relation to your
personal data, and our legal grounds for using it, please go to one of the
following:
• Wealth Management:barclays.co.uk/important-information/control-your-data/
• Private Bank:privatebank.barclays.com/control-your-data
or you can request a copy from us.
This policy contains the following subheadings:
* Cookies
* Electronic communications
* Intellectual property
* Security
* Calls
* External links
COOKIES
WHAT IS A COOKIE?
Cookies are text files containing small amounts of information, which your
computer or mobile device downloads when you visit a website. When you return to
these websites – or visit other websites that use the same cookies – they
recognise these cookies and therefore your browsing device.
Cookies help websites to do lots of different jobs, like letting you navigate
between pages efficiently, remembering your preferences and generally improving
your browsing experience. They can also help to ensure that adverts you see
online are more relevant to you and your interests.
WHAT TYPES OF COOKIES DO WE USE?
The type of cookies used on this website can be put into one of four categories
based on the International Chamber of Commerce (ICC) guide for cookie
categories: Strictly Necessary, Performance, Functionality and Targeting.
Strictly Necessary Cookies These cookies are essential in order to enable you to
navigate our websites and to access secure content. Without these cookies,
services you have asked for, such as Internet banking facilities, cannot be
provided. These cookies don’t gather information about you for profiling or
targeted marketing purposes.
This category cannot be disabled using the cookies preference selection on this
website.
Cookie Name Purpose axsidprod This cookie is generated after a successful login.
It contains a secure token that ensures that the user remains logged in to the
site. BCLPRODEXTRANETIC This cookie is used to track a user’s inactivity time on
the site. User’s session will expire and required to log in again if inactivity
exceeded a certain amount of time. WLEU-WLabel This cookie is created whenever a
new session is established between a browser and our website. barclaysConsent
This cookie is used to retain your cookie preferences. barclayscookiepolicy
Functionality Cookies These cookies allow our websites to remember choices you
make (such as your user name, language or the region you’re in) and tailor the
website to provide enhanced features and content for you. These cookies can also
be used to remember customisation changes that you may make (for example text
size or fonts). They may also be used to provide services you asked for such as
watching a video or commenting on a blog. The information these cookies collect
is anonymous and cannot be used to track your browsing activity on other
websites.
Without these cookies, a website cannot remember choices you’ve previously made
or personalise your browsing experience.
Cookie Name Purpose BCLPRODRUC This cookie is used to store username on the site
upon users’ discretion.
SETTING YOUR COOKIE PREFERENCES
You can use your browser settings to disable or delete all cookies. To do this,
follow instructions provided by your browser (usually located on the top
navigation bar within its "Help", "Tools", or "Edit" facility). Please note that
if you set your browser to disable cookies, this will affect all websites that
you visit. Plus you may not be able to access secure areas of this website, for
example any online accounts you may hold, and you may find that forms, such as
application forms, shopping baskets or personalised tools, do not remember your
details as you navigate through them.
WHAT HAPPENS TO COOKIES THAT HAVE BEEN DOWNLOADED IN THE PAST?
If you have chosen to disable cookies through your browser, we’ll stop using the
associated cookies to gather any further information. We may still use
information collected previously. You can delete existing cookies from within
your browser.
MORE INFORMATION
Information about cookies: www.allaboutcookies.org
Internet Advertising Bureau: Guide to online advertising and privacy
International Chamber of Commerce United Kingdom: ICC UK cookie guide
All of the external sites you can reach through this website are here to help
you. However, we must tell you that we accept no responsibility or liability for
the content, accuracy or availability of any external site you may encounter.
ELECTRONIC COMMUNICATIONS
Please remember that Internet communications are not secure unless the data
being sent is encrypted. We cannot accept any responsibility for the
unauthorised access by a third party and/or the corruption of data being sent by
individuals to the Barclays Group. It is your responsibility to determine
whether you need to encrypt your data before sending.
INTELLECTUAL PROPERTY
The entire content of the Site is subject to copyright with all rights reserved
and it may only be stored, held or used for your personal use only. You may not
download (all or in part) for non-personal use or otherwise reproduce, 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. These permissions are revocable by
us at any time. Barclays Wealth Management and Barclays Private Bank are
registered trade marks owned by Barclays Bank UK PLC and Barclays Bank PLC. You
are granted a non-exclusive licence of those rights in order to view this site
on a non-commercial basis only, revocable at any time.
SECURITY
We’re continually investing in new technologies to help keep you and your money
safe. We also want to give you the right tools and information to help you spot
fraud.
In the unlikely event that you do become a victim of fraud when using our
online- or mobile-banking services, we’ll refund you in full on any transactions
that you haven’t authorised – including any interest or charges that may have
been incurred.
While we’ll do our best to protect you against fraud, it’s your responsibility
to be alert when it comes to scams and tricks. Each situation will be assessed
on its individual merits, but it’s unlikely we’ll refund you because someone has
tricked you into making or authorising a payment.
You must ensure that viruses, trojans, worms or equivalent or similar items do
not enter your computer system. We assume no responsibility for loss of whatever
nature, howsoever arising, resulting from such viruses, trojans, worms or
equivalent or similar items.
For further information and advice on security, please click on Security.
CALLS
We may record and monitor calls made or received by us to maintain high quality
service standards, to check instructions, for your protection and ours, and for
regulatory reasons.
EXTERNAL LINKS
All of the external sites you can reach through Barclays Wealth Management or
Barclays Private Bank -online services are here to help you. However, we must
tell you that we accept no responsibility or liability for the content, accuracy
or availability of any external site you may encounter.
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SECURITY GUIDE
WE TAKE SECURITY SERIOUSLY
We’re continually striving to make banking safer. Our security guides give you
information and advice on staying secure, as well as details on how to contact
us if you suspect there has been fraud on your account.
You might like to begin by reading our top tips on how to protect yourself and
protect your computer..
HELPFUL INFORMATION
* What we’re doing to protect you
* Top anti-fraud tips
* Fraud prevention links and resources
* Protect your identity
* Card fraud
* Cheque fraud
* Common scams
HELP AND SUPPORT
Contact us if you need help or support about any aspect of Barclays Wealth and
Investment Management online services.
EXTERNAL LINKS
All of the external sites you can reach through Barclays Wealth Online are here
to help you. However, we must tell you that we accept no responsibility or
liability for the content, accuracy or availability of any external site you may
encounter.
PROTECT YOURSELF
SECURITY OF YOUR CREDENTIALS (PROTECT YOURSELF)
When you apply to use our services online, we will set up security credentials
for you. Your credentials give you access to Barclays Wealth Online services,
and you should take adequate steps to make sure that this online information
remains secret. To safeguard these details you should:
* Memorise your passcode and memorable word, and remember to destroy your
passcode letter once you have memorised your passcode
* Ensure that you do not tell anyone your passcode or memorable word, and
ensure that they are kept secret by taking appropriate steps to prevent
disclosure to a third party
* Never keep details of your passcode or memorable word with your membership
number in the same place
* Avoid using the same passcode or memorable word on other websites
Please contact us immediately if your credentials have been lost or stolen.
LOGGING OUT
If you have logged in to the secure area of the site and then choose to finish
your session, you should always log out to prevent unauthorised access to your
account.
PUBLIC COMPUTERS
Be extra vigilant if using public computers, including Internet cafés, or
wireless hotspots, where there is an increased risk of your online details being
compromised. It is recommended that you use computers which you directly
control, or at least consider to be secure, to access Barclays Wealth Online.
Do not select options to remember your details on a computer other people may
use.
Completely close the browser, clearing private data, when you’ve used a computer
that other people may use.
See also:
* How to contact us about fraud
* Top anti-fraud tips
PROTECT YOUR COMPUTER
ANTI-VIRUS PROTECTION
Anti-virus software is used to prevent, detect and remove known viruses.
When you use anti-virus software, ensure that you carry out regular software
updates to keep it as up to date as possible. If your anti-virus software has a
virus scanner option, it is recommended that you schedule regular scans of your
computer. If a virus is ever found, it is recommended that you follow the
instructions provided by your anti-virus software.
UPDATES AND PATCHES
Software patches work to close a hole or weakness in your computer’s software.
Keep your operating system (e.g. Windows XP or Apple OSX) and your web browser
(e.g. Internet Explorer or Firefox) up to date by regularly checking the
manufacturers’ websites.
For Windows and Internet Explorer updates go to:
http://windowsupdate.microsoft.com/
For Mac updates, go to: http://www.apple.com/uk/support/
For Chrome updates, go to: http://www.google.com/chrome/
For Opera updates, go to: http://www.opera.com/
PERSONAL FIREWALL
Personal firewall software works in the background to manage traffic to and from
your computer according to its security policy.
It is recommended that in addition to using anti-virus software, you use a
personal firewall. This will help to protect you from online threats by acting
as a barrier between the public Internet and your personal computer, provided
that you carry out regular updates.
DOWNLOADS
There are many Internet frauds that rely on people downloading software to their
computer often without their knowledge or consent. Do not download any software
onto your computer unless it is from a trusted source or site.
Be vigilant when downloading other software off the internet such as MP3s as
malicious software is often ‘hidden’ amongst legitimate software.
EMAIL ATTACHMENTS
Be vigilant of attachments sent to you via email, especially if you do not
recognise the sender. Emails are a common way to spread viruses. If you are at
all suspicious, do not open the email and delete it immediately.
SPYWARE
Spyware is a program that can secretly gather information about you as you use
your computer. It is commonly downloaded without the knowledge or consent of the
user.
It can slow down your computer, alter your homepage, produce lots of adverts or
links to websites and even include keystroke loggers to record details such as
passwords and user names.
If your security software detects a threat on your computer, it is recommended
that you follow the instructions provided by your software.
TROJAN PROGRAMS
Trojan programs are hidden programs, again commonly downloaded without the
knowledge or consent of the user, that can give control of your computer to a
hacker or gather information about you as you use your computer. A trojan is a
type of computer worm or virus that is installed on your computer without your
knowledge or consent.
Typically, the fraudster will send you an email that tries to trick you into
following a website link and downloading a piece of software or opening an
attachment. If you take this action, the trojan can be installed.
Trojans can be capable of recording passwords and other personal details by
capturing keystrokes or taking screen shots of sites you visit. These details
can then be sent to the fraudster.
WHAT WE’RE DOING TO PROTECT YOU
OUR WEBSITE SECURITY
The security of your financial and personal information is very important to us
and we take appropriate steps to protect you online. We use proven technology to
ensure that our online services are provided in a safe and secure environment.
This includes:
SECURE SOCKET LAYER
Our web based services use a technology known as Secure Socket Layer (SSL) which
means that the information sent across the network is scrambled. To support this
technology, you need an SSL-capable browser.
A symbol on your browser, usually a lock or key, tells you if you are on a
secure site.
If the symbol is unbroken or in the locked position then you are using a secure
connection to the server.
COOKIES
Cookies are harmless text files that web servers can store on your computer when
you visit a site. They allow the server to recognise you when you revisit.
We use two types of cookie:
* Transient (or per-session) cookies – these only exist for your site visit and
are deleted on exit. They recognise you as you move between pages
* Persistent (or permanent) cookies – these stay on your machine until expiry
or deletion. Many are built with automatic deletion dates to help ensure your
hard drive doesn’t get overloaded. These cookies often store and re-enter
your log-in information, so you don’t need to remember membership details.
Additionally, cookies can be first or third party cookies. First party cookies
are owned and created by the website you’re viewing. Third party cookies are
owned and created by an independent company, usually a company providing a
service to the website owners.
Internet cookies are common and do not harm your computer – they just store or
gather site information. They help you do things online, like remembering log-in
details so you don’t have to re-enter them when revisiting a site.
We use cookies to:
* Gather customer journey information across our sites
* Ensure your privacy in our secure sites
* Store log-in details for our secure sites
* Temporarily store details input into our calculators, tools, illustrations
and demonstrations
* Store details of your marketing, product and business unit preferences to
improve our targeting and enhance your journey through our sites
* Evaluate our sites advertising and promotional effectiveness
TIME-OUTS
Following a period of inactivity we apply a time-out to your session in case you
forget to log out.
TOP ANTI-FRAUD TIPS
PROTECT YOURSELF FROM FRAUD
Fraud crime is growing and everybody needs to be aware of it. We hope you find
the following tips useful and informative.
Don’t just take our word for it though, our links and resources give you access
to information provided by external organisations.
KEEP YOUR DETAILS SAFE
* Keep your cards, passwords, PINs, documents and personal information secure.
This will protect you from identity theft, online fraud, card fraud and more.
To learn more about how you can keep these details safe, see our guide to
identity fraud.
* Be suspicious of any unsolicited communications that ask for your personal
details.
Although unsolicited phone calls, letters, emails or texts can look or sound
legitimate, chances are they’re fraudulent. Don’t respond to these kinds of
communications until you’ve contacted the company concerned to check that
they’re genuine.
BE CAREFUL
* Never download software, open attachments or follow links that you’ve been
sent by email unless you’re sure they’re safe.
If in doubt, delete the email immediately. These tricks are commonly used by
fraudsters to install trojans or spyware.
* Check your bank and credit card statements carefully
Contact us straight away if you spot any transactions you don’t recognise.
* Let us know if you’re going somewhere unusual
This helps avoid problems with using your cards and accounts overseas, as
well as helping to protect you from fraud whilst you’re away. You can use
contact us to tell us.
* Learn about common scams
There are some common scams that may target our customers.
BE VIGILANT AND UP TO DATE
* Check your personal credit file regularly, particularly if you’ve recently
moved house
This will help you to spot any fraudulent activity that may be conducted in
your name.
You can get reports from Callcredit, Equifax and Experian.
* Keep your computer and mobile software up to date
Keeping your computer and mobile’s operating systems, applications, virus
checkers, firewalls and software up to date is the best proactive protection
for your computer, mobile and data.
* Be vigilant when using cash machines.
Move to another machine if someone behind you is behaving suspiciously or
attempts to distract you.
Check for signs of tampering, as this could mean that the machine has been
fitted with a skimming device.
Never leave receipts behind – keep them until you’ve checked them against
your statements and then dispose of them safely, preferably by shredding
them.
IF YOU ARE CONCERNED ABOUT THE SECURITY OF YOUR ACCOUNT
Contact us immediately.
FRAUD PREVENTION LINKS AND RESOURCES
LEARN MORE ABOUT FRAUD PREVENTION
The Barclays Wealth website contains lots of information about how you can
protect yourself from financial fraud. But if you’d like to know even more,
these sites can help:
Get safe online This site has been developed by the Government, police and
industry. It offers advice on staying safe online and protecting your computer
and the personal information it contains. Identity theft Developed by the
Government, Metropolitan Police and various industry bodies, this site offers
detailed advice about identity theft and how you can protect yourself from it.
Visa website This service, in association with Visa, protects your card against
unauthorised use when you shop online at participating retailers. Mailing
Preference Service By registering with this service, you can reduce the amount
of unwanted mail you receive, which can help reduce the risk of identity theft.
You can also register the details of relatives who’ve passed away. Metropolitan
Police Service This site contains more detailed information about specific
frauds, such as identity theft and advance fee fraud, as well as alerts about
the latest scams in London. UK Payments Administration (formally APACS) The UK
Payments Association and its website contains information about the major types
of payment fraud. Card Watch Contains useful information about card fraud for
consumers and businesses. Be Card Smart Online Packed with tips for protecting
yourself against online card fraud, this site is specifically designed for
online shoppers. CIFAS Protective Registration The UK Fraud Prevention Service
CIFAS offers Protective Registration to people who have fallen victim to, or are
at risk of, identity theft. This service flags your personal file, so that when
CIFAS member companies like ours receive an application in your name, they’ll
conduct extra checks to ensure that the application is genuine.
* Microsoft
* Apple
* Firefox
* Chrome
* Opera
Check these sites regularly to make sure that your browsers, operating systems
and applications are up to date and install any patches that may be required.
IF YOU ARE CONCERNED ABOUT THE SECURITY OF YOUR ACCOUNT
Contact us immediately.
PROTECT YOUR IDENTITY
SECURITY OF YOUR CREDENTIALS
Identity theft now costs the UK more than £1billion a year.
Avoid falling victim to this fraud by following our simple tips.
If you are concerned about the security of your account, contact us.
WHAT IS IDENTITY THEFT?
Identity theft occurs when fraudsters use your personal information without your
knowledge or consent to take out bank accounts, credit cards, loans, state
benefits and documents such as passports and driving licenses in your name.
It can have a terrible impact on your personal life and finances. For example,
you may have difficulty getting loans, credit cards or a mortgage until the
problem is sorted out.
We list below some ways in which you can protect yourself from identity theft.
KEEP YOUR PERSONAL INFORMATION SECURE
* Check your personal credit file regularly, especially if you’ve recently
moved house. Callcredit, Equifax and Experian all offer credit reports
* Be extra careful if you live in a property where other people could access
your mail. People who live in properties with communal letterboxes are
particularly vulnerable.
* Consider picking up valuable items from companies directly rather than having
them mailed. For example, if you’ve ordered new debit cards, credit cards or
chequebooks from your bank, you might be able to pick them up from your local
branch.
* If you suspect your mail is being stolen in the UK, contact the Royal Mail
Customer Enquiry Line on 0845 774 0740. Check whether a mail redirection
order has been made in your name without your knowledge.
* If you move house, tell your bank, card issuer and all other organisations
that you deal with immediately. Ask Royal Mail to redirect any mail from your
old address to your new one for at least a year.
* Consider using the Mailing Preference Service. This will help limit the
amount of unwanted mail you receive.
* Learn more about protecting your identity online. Get safe online has been
developed by the Government, police and industry. It offers advice on staying
safe online and protecting your computer and the personal information it
contains.
KEEP YOUR CARDS SAFE
* Cancel any lost or stolen cards immediately. Make a list of all your card
issuers’ emergency numbers and keep them handy.
* Protect your details when shopping in store, online or by phone. Make sure
other people can’t hear or see your card details or personal information.
* Never carry documents or plastic cards unnecessarily. Keep them in a safe
place when you’re not using them.
* Want more tips? See Card Fraud
KEEP YOUR DOCUMENTS SAFE
* Keep your personal documents in a safe place, preferably locked away at home
or your bank. If any of your documents have been lost or stolen, contact the
issuing organisation immediately.
* Destroy unwanted documents, preferably by using a shredder. Never throw away
entire bills, receipts, credit or debit card slips, bank statements, or even
unwanted post in your name.
* Check statements as soon as they arrive. If you spot any unfamiliar
transactions, contact the company concerned immediately.
KEEP YOUR PASSWORDS, PASSCODES, PINS AND MEMORABLE WORDS SAFE
* Never give personal or account details to anyone who contacts you
unexpectedly. Be suspicious, even if they claim to be from your bank or the
police. If they’ve called you, ask for their organisation’s name and call
them back via that organisation’s switchboard. Be aware that banks, including
ours, will never ask for your PIN or a whole security number or password.
* Don’t use the same password for more than one account and never use banking
passwords for other websites. Using different passcodes increases security
and makes it less likely that someone could access all your accounts.
* Never record or store your passcodes or PINs in a manner that leaves them
open to theft. For example, don’t carry them in your purse or wallet.
* Be suspicious of emails that ask for your personal details. They’re often
used by fraudsters.
PROTECT THE IDENTITIES OF LOVED ONES WHO’VE PASSED AWAY
Fraudsters sometimes use the identities of people who’ve died. You can reduce
the chance of this happening by removing their details from mailing lists.
Organisations that offer this service include:
* The Bereavement Register
* Deceased Preference Service
* Mailing Preference Service
MORE INFORMATION
The information above has been taken from the identity theft website developed
by the Government, Metropolitan Police and various industry bodies. Visit this
site if you'd like to know more about identity theft.
CARD FRAUD
PROTECTING YOUR CARDS
Want to know how you can protect yourself from credit and debit card fraud? Here
are some of the most common scams and how you can avoid them.
If you are concerned about the security of your account, contact us.
LOST AND STOLEN CARD FRAUD
This occurs when a lost or stolen card is used by a fraudster posing as you.
Most lost and stolen card fraud occurs before you report the loss.
To protect yourself:
* Report any lost or stolen cards immediately
* Use chip and PIN cards where possible
* Only carry the cards you need
* Avoid placing cards in your pockets, where they can easily fall out
* Make sure that your cards fit snugly inside your wallet or purse
* Take precautions to avoid your card being stolen – for example, don’t leave
your handbag unattended or carry your wallet in your back pocket
* Always shield your PIN from any observers when using cash machines
COUNTERFEIT CARD FRAUD OR SKIMMING
A counterfeit card can be a fake card or a valid one that’s been altered or
recoded.
Most cases of this fraud involve skimming, the process by which the data on your
card’s magnetic stripe is electronically copied onto another card without your
knowledge.
Skimming commonly occurs at retail outlets – particularly bars, restaurants and
petrol stations – and at cash machines that have been illegally fitted with a
skimming device. The stolen data is then used to create counterfeit cards.
Most people are unaware that they’ve fallen victim to this fraud until their
statements arrive.
To protect yourself:
* Don’t leave your card with bar or restaurant staff for long periods
* Don’t let retail staff take your card away to process payments
* Check cash machines for signs of tampering before you use them
CARD-NOT-PRESENT FRAUD
This is the most common type of card fraud in the UK. It occurs when fraudsters
steal your card details and use them to make purchases over the Internet or by
phone, fax or mail. Always be aware of who you are dealing with.
To protect yourself:
* Avoid entering your card details on shared or public computers
* Always remember to log out of any websites where you’ve entered your card
details
* Only enter your card details on secure sites that you trust, preferably with
merchants using the 3-D Secure service (remember to check that the web page
has the secured lock or key icon in the browser)
* Keep a close eye on your statements and report any fraudulent transactions
immediately
* If you do a lot of online shopping you may wish to consider using a debit
card with a low balance, or credit card with a low limit, specifically for
online purchases
MAIL-NON-RECEIPT FRAUD
This fraud occurs when you order a new card and it’s stolen in transit. You’re
at particular risk of this fraud if you live in a property with a communal
letterbox, such as a block of flats or a student residence hall.
To protect yourself:
* Find out how long it will take for any new cards to be mailed out to you and
contact your card provider straightaway if they don’t arrive on time
IDENTITY THEFT ON CARDS
This occurs when a fraudster uses your personal information to open or access
card accounts in your name. There are two types:
* Application fraud takes place when stolen or fake identification documents
are used to open an account in your name
* Account takeover occurs when fraudsters use your personal information to pose
as you and convince your bank to make payments from your accounts, order new
cards and chequebooks, and so on
To protect yourself:
* Shred bills, bank statements and other documents containing your personal
details before disposing of them
* If you use social networking sites, display as little personal data on your
page as possible
* If you suspect your mail is being stolen, contact the Royal Mail Customer
Enquiry Line on 0845 774 0740 to check if a mail redirection order has been
made in your name without your knowledge
* If you move house, ask Royal Mail to redirect your mail and advise the
companies that you do business with straight away
* Check your personal credit file regularly using a credit reference agency
such as:
* Callcredit
* Equifax
* Experian
MORE INFORMATION ABOUT CARD FRAUD
If you’re planning to travel, it’s best to let us know in advance. This helps
avoid problems with using your cards and accounts overseas, as well as helping
to protect you from fraud while you’re away.
Card Watch contains useful information about card fraud for consumers and
businesses.
Be Card Smart Online is packed with tips for protecting yourself against online
card fraud and is specifically designed for online shoppers.
The Identity theft website developed by the Government, Metropolitan Police and
various industry bodies contains detailed information about identity theft and
how you can avoid it. Our guide to identity theft summarises some of the key
points from this website.
CHEQUE FRAUD
HOW DOES CHEQUE FRAUD OCCUR?
Want to know how you can protect yourself from cheque fraud? Follow our tips and
you’ll be well on your way.
If you think you’ve fallen victim to identity theft on your Barclays cards or
accounts, contact us.
Cheque fraud takes place when a fraudster uses a stolen or counterfeit cheque to
pay for goods and services. More than 90% of fraudulent cheques are stopped
before any loss occurs. But even so, cheque fraud still costs millions of pounds
a year.
These losses can be compounded when the fraud also involves an ‘overpayment’.
This occurs when the fraudster – who is often part of an organised gang –
targets the seller of a high value item, such as a car, and offers to pay using
a stolen or counterfeit cheque made out to more than the price of the goods.
Once the cheque clears, the victim is asked to transfer this ‘overpayment’ to a
third party, as well as handing over the item to the fraudster.
When the real cheque owner discovers that money has been stolen from their
account, the victim can be obliged to repay the total sum – even if this happens
several weeks later.
How to protect yourself against cheque fraud:
* Don’t accept cheques from anyone unless you know and trust them, especially
when a high-value cheque is involved
* Be aware that there’s a risk that money credited to your account from a
cheque could be reclaimed if the cheque turns out to be stolen or counterfeit
* Always consider other ways of accepting payment for high-value items – a
CHAPS payment, or guaranteed, same-day bank transfer, is ideal. Be especially
wary if the buyer is unwilling to pay or split the relatively small cost
involved with you.
* Keep your chequebook in a safe place
* Report any missing cheques to your bank immediately
* Always check your bank statements thoroughly
COMMON SCAMS
SOCIAL ENGINEERING
Social engineering is the act of manipulating people into doing what you want.
In terms of online fraud, it usually involves tricking people into disclosing
passcodes, log-in details or other confidential information.
You can protect yourself by:
* Not disclosing confidential information over the phone unless you’re sure
that the caller is really who they say they are. If in doubt, ask for the
caller’s phone number, satisfy yourself that it is genuine, and only then
call them back.
* Never sending confidential information by email. It can easily be intercepted
by a third party, and companies like ours will never ask you to email
personal details, account information or passcodes.
* Keeping your credentials (PINs, passcodes and memorable words) confidential
at all times. Banks, including us, will never ask you to disclose this type
of information.
PHISHING
Phishing is the process of attempting to acquire confidential information by
sending out emails or other kinds of messages that direct you to bogus websites
or phone lines. These emails or messages claim to be from a particular company,
but are actually sent by fraudsters, often at random. Any information you
disclose on these bogus websites or phone lines is captured by the fraudsters.
You can protect yourself by treating any unsolicited emails or calls that ask
for confidential information as suspicious. If in doubt, contact the company
that supposedly sent you the message to make sure that it’s genuine.
To learn more about phishing, visit the UK banking industry’s helpful site: bank
safe online.
W-8BEN FORM SCAM
The W-8BEN form is a legitimate US tax exemption document, however fraudsters
have been using the W-8BEN format to acquire personal details such as mother’s
maiden name, passport number, date of birth, PIN numbers and passcodes.
The fraudulent forms are being sent under the guise of anti-moneylaundering
regulations claiming to review client information and asking that the form be
completed.
Please be advised that we will never ask you for your passcode or memorable word
in this manner. Should you receive such a form do not reply to it.
If you believe you may have replied and provided this information please contact
us immediately.
BARCLAYS JOB OFFER EMAIL SCAM
This scam involves someone offering, via an email or website, an opportunity to
gain employment within Nigeria at "THE NEW BARCLAYS NIGERIA BANK PLC" office. In
this scam you are asked to provide various personal details although ultimately
you will be accepted for the role. The scam also requires that, before your
employment can start, you must pay an advanced fee in lieu of your starting
date. Please note that Barclays is in no way associated with THE NEW BARCLAYS
NIGERIA BANK PLC, nor with this scam and the offer of employment which it
promises. Moreover, the Barclays office in Nigeria is in Lagos only.
Accordingly, please ignore any request which conforms with this scam and delete
the email.
ADDITIONAL INCOME EMAIL SCAM (MONEY MULES)
Most UK bank accounts won’t let you make online cross-border transfers from
overseas. Since most online fraudsters tend to be based outside the UK, they
need money mules to launder the funds they receive from their scams.
Money mules receive funds into their accounts and send it to the fraudsters
using a wire transfer service, minus their commission. They’re recruited through
a variety of methods, including spam emails, genuine recruitment websites,
approaches to people whose CVs are available online, instant messaging and
newspaper ads.
This scam offers you the chance to earn some easy money for a few hours’ work
each week, but beware: handling money that’s been obtained fraudulently is a
crime. You can protect yourself from becoming involved by:
* Treating any unsolicited job offers with suspicion, especially if the company
is based overseas
* Verifying the details of any company that you’re considering working for
* Not giving your bank account details to anyone that you don’t know and trust
Remember the golden rule: if it sounds too good to be true, it probably is. For
more about money mules, visit the UK banking industry’s helpful site bank safe
online.
LOTTO PRIZE AND ADVANCE FEE SCAMS
These scams are variations of the same type of fraud, in which the victim is
asked to make a payment in return for receiving a substantial amount of money.
Advance fee fraud is also known as West African or 419 fraud. In both types of
scam, the fraudster will claim the money is available but a payment is needed to
help cover transfer or administrative costs. Lotto fraud payments tend to be low
to start with and increase as the victim becomes more engaged with the scam. In
contrast, the payment requested in advance fee fraud is usually quite high –
often £15,000 or more.
To protect yourself:
* Treat any such requests for money with suspicion
* Be aware that these requests can be made not only by phone, but by email,
letter, or even in person, and can look and sound legitimate
* Don’t respond to any unsolicited communications promising prize money in
return for payment
Report any possible lotto and advance fee frauds to the Office of Fair Trading
on 0845 722 4499
If you’d like to learn more, the Metropolitan Police website contains detailed
information about these frauds, including lotto fraud and advance fee fraud.
BOILER ROOM SCAMS
Boiler room scams are scams where ‘companies’ contact clients generally out of
the blue either by post, email or telephone and offer them shares in a company
at a supposedly heavily discounted price. They will often use hard sell tactics
to persuade the client to buy the shares e.g. creating a sense of urgency or
using a persistent and aggressive style. This pressurised tactic is why they are
referred to as boiler room scams. The company that they are trying to sell may
be listed on an illiquid market so the shares cannot be sold. Or they could be a
small unquoted company that the broker claims is planning to list. In other
cases the company itself may not exist or the share certificates delivered are
fake.
In general the bulk of these firms operate overseas with hotspots being in
Spain, Switzerland, Dubai, Japan, Bermuda and the US and are therefore outside
the remit of the FCA. However, these firms are likely to have a UK registered
address and a name which suggests legitimacy. Both inexperienced and experienced
people have been affected by this type of scam with a typical victim losing
around £20,000.
Further information on boiler room scams can be obtained from the FCA.
CONTACT US
ACCESSING CONTACT US
You can contact us using https://wealth.barclays.com
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ACCESSIBILITY
MINIMUM SYSTEM REQUIREMENTS
This is a fully responsive site so is viewable on any device at any resolution.
With an increasing number of browsers and operating system combinations we have
not been able to test all possible configurations. However, we have tested the
most popular combinations used by our clients. These are:
* Microsoft Internet Explorer 8, 9, 10, 11
* Mozilla Firefox 37, 38, 39, 40
* Google Chrome 40, 43, 44
* Safari 5.1.7
You can find out which browser version you are using by following the relevant
instructions for your browser below.
MICROSOFT INTERNET EXPLORER
1. Select the "Help" icon on the toolbar at the right of the browser window,
this will open a small menu
2. Select "About Internet Explorer", at the bottom of the menu
3. A pop-up window will display the type of browser you are currently using and
the version number
MOZILLA FIREFOX
1. Select "Help" from the browser menus at the top of the window
2. Select "About Mozilla Firefox", at the bottom of the menu
3. A pop-up window will display the type of browser you are currently using and
the version number
GOOGLE CHROME
1. Select the grey menu icon from the toolbar on the right of the browser
window
2. Select "About Google Chrome" from the menu
3. A pop-up window will display the type of browser you are currently using and
the version number
APPLE SAFARI (OSX)
1. Make sure Safari is currently selected by clicking on the logo in the Dock
2. Select "Safari" at the left of the menu bar at the top of your screen, next
to the Apple logo
3. Select "About Safari" from the menu
4. A pop-up window will display the type of browser you are currently using and
the version number
Customised browsers: We also recommend that you regularly update your PC with
any security patches that become available from your operating system
manufacturer.
SECURITY
The security of your financial information is very important to us, and we take
every step to protect you online. We use the latest technology to ensure that
our online service is safe and secure.
We’ve also compiled some security advice for you, which will tell you more about
PC security, anti-virus protection, firewalls and downloads.
PHISHING
We are aware that fraudsters are operating on the internet, with many scams
targeting financial services organisations and their clients, especially via
bogus or "phishing" emails.
We will never send you an unsolicited email asking for personal security
information. Please do not respond to any email that requests any of your
security details. You can learn more about protecting yourself against bogus
emails and recent online scams in our Security section.
If you receive a bogus email claiming to be from Barclays Wealth, please contact
us to report it.
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ACCESSIBILITY
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IMPORTANT INFORMATION FOR UK AND INTERNATIONAL
This important legal information relates to this website (the Site) and contains
the terms on which we make it available to you. The information also includes
important information about the regulatory status of some of our companies and
important risk warnings.
1. Contacting us
2. Telephone calls
3. Site terms
4. Use of Site
5. Copyright, all rights reserved
6. Data Protection and Privacy
7. Third party products and services
8. No offer
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10. No Warranty
11. No liability
12. Governing Law
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14. Complaints
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16. The ODR Regulation
17. Compensation
18. Risk Warnings
19. Risk warnings about investing
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23. Company and regulatory information
CONTACTING US
If you have any questions or comments about this Site please Contact us.
If you have any questions or comments about this Site please Contact us.
If you would like to contact us and you are a Barclays Bank UK PLC customer,
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If you would like to contact us and you are a Barclays Bank PLC customer, please
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SITE TERMS
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
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in addition to these Site terms. In the event of a conflict, the separate terms
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Please note that if you are an existing Barclays customer, these terms will
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If you bank with Barclays Bank UK PLC please visit here
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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.
NO LIABILITY
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.
GOVERNING LAW
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.
COMPLAINTS
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. Please note that there is not an equivalent ombudsman
service in Jersey or Guernsey.
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
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 above 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
using the details above
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:
Our name: Barclays
Our email: ODR@barclays.com
Our website addresses:
Barclays Bank UK PLC (Wealth) www.barclays.co.uk/wealth-management
Barclays Bank UK PLC (Retail)www.barclays.co.uk
Barclays Bank PLC (Private Bank and Overseas Services)www.wealth.barclays.com
Our geographic address: United Kingdom
COMPENSATION
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 £50,000. 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 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 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.
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
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:
Société Générale S.A.
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.
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.
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 £50,000. Further information about compensation
arrangements is available from the FSCS.
How FSCS protects your money [PDF, 75KB]
Guernsey
Barclays Private Clients International Limited, 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 at
www.dcs.gg or on request.
Isle of Man
The Isle of Man branches of Barclays Bank PLC and Barclays Private Clients
International Limited are participants in the Isle of Man Depositors
Compensation Scheme as set out in the Depositors Compensation Scheme Regulations
2010.
Jersey
Barclays Bank PLC, Jersey Branch, and Barclays Private Clients International
Limited, Jersey Branch, are participants 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)./p>
The FGDR can also intervene on a Resolution basis, before the institution fails.
RISK WARNINGS
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
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 Smart Investor is a trading name of Barclays Investment Solutions
Limited. 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
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 NEX. Registered in England. Registered No. 1026167. 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.
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