App terms and conditions

App terms and conditions

We're making some changes to your terms and conditions:

- As the Paym service will no longer be available from 7 March 2023, we have amended Part B to include the closing date.

- As the Siri Payments feature will no longer be available from 7 March 2023, we have amended Part B to include the closing date.

For the purpose of these terms and conditions, ‘app’ shall refer to both the Barclays app and the Barclaycard app. References to ‘Barclays Mobile Banking’ in any communications, your agreements, marketing material or other documentation shall mean the app.

Before you use the app

These terms replace those we issued in October 2022 and reflect some new services that we’ll be making available now and in the near future. Please read and accept these terms and conditions to use the app. You can find out more on our app page barclays.co.uk/ways-to-bank/mobile-banking-app/archive-terms-conditions/.

To do certain things in the app, you might be asked to read and accept more terms and conditions that relate to what you’re trying to do – e.g. if you apply for a savings account.

Part A – Using the app

About the app

You can use the app to

• View and manage all your Barclays accounts and related services in one place – including your current account, savings account, investment accounts, Barclaycard and mortgage if you have them
• Make payments (including international payments) and move money between your bank accounts
• Give us payment and other instructions on your bank account, including setting controls on your cards
• Confirm your instructions with the mobile PINsentry in the app
• Make contactless payments to merchants
• Withdraw cash using Contactless Cash from a Barclays Self-Service Device
• Open savings and investment accounts with us
• Open a current account if you are an existing customer
• Open a Travel Wallet, a feature that allows you to purchase and store selected foreign currencies, with the ability to spend them using your debit card (subject to the Travel Wallet terms and conditions)
• Switch to a Barclays current account using the Current Account Switching Service if you are an existing Barclays current account holder
• Become a Barclays customer

Who can use the app?

You must be aged 16 or over and have a Barclays current account, mortgage account, Barclaycard or a Barclays Partner Finance account. If you're aged 11 to 15 years, you can use another version of the app.

It's only available for customers of

• Barclays Bank UK PLC
• Barclays Bank PLC in the United Kingdom, Jersey, Guernsey and the Isle of Man
• Barclays Investment Solutions Limited
• Clydesdale Financial Services Limited

If we need to, we can refuse to register you for the app and limit how you use it.

The devices it works on

At the moment, the app works on Android 5.0 or above and iOS 14 or later (we update these regularly). There are different features depending on your phone or tablet, operating system or version of the app you have.

What does it cost?

• If you're a personal customer, we won't charge you for using the app, although charges may apply on some international payments
• If you're a business customer, we may charge you for certain transactions – depending on the tariff you've chosen. All our tariff information is available at barclays.co.uk/ImportantInformation/Ratesandcharges/P1242559944567
• Your internet or network service provider may also charge you for using data on your smartphone or tablet

How to register

Step 1: If you have a joint or business account, check with the other account holders that they’re happy for you to register for the app
Step 2: You’ll need to download the app to your phone or tablet. Search for ‘Barclays’ or 'Barclaycard' in the Apple App Store or the Google Play Store. Don’t download it from anywhere else
Step 3: Read and accept the terms and conditions in the app
Step 4: Once you've done this, enter your mobile number and follow the on-screen instructions. We use a third party to verify your mobile number with your mobile network operator. If you have authorised users on your Barclaycard account, only the main cardholder can register the account for the app

Conditions for using the app

Using the app in the right way

• Only use the app to view your bank accounts and related services, make payments, transfer money, give us instructions with the mobile PINsentry and view your PIN or withdraw cash from a Barclays Self-Service Device
• Don’t use the app to upload or store inappropriate or illegal images or content that breaches the rights of others
• Don’t attempt to make any income directly from using the app
• Don’t use the app to do anything illegal
• Don’t use the app in a way that could damage it or stop it from working or affect our systems or other users – for example, by hacking into or inserting malicious code into the app or iOS, Android or other operating systems
• Don’t collect any information or data from the app or our systems or try to read any messages or information not meant for you
• Only use the app to view your bank accounts and related services, make payments, transfer money or give us instructions on your account
• Make sure you obey any laws that apply to you in any place you use the app

Information about you

Keeping us informed

If your account details or any other information about you changes, tell us straight away.

How you must protect your money and information

• As of 13 January 2018 you can give your security details to authorised companies that require your security information to provide account information services (which allow you to see your accounts with different providers in one place) and payment initiation services (which allow an authorised third party to instruct us to make payments from your account on your behalf). When we say ‘authorised’ we mean a company that is authorised by the Financial Conduct Authority or another European regulator to provide the relevant service. In the UK, the Financial Conduct Authority’s register (available at https://register.fca.org.uk/) will tell you whether a company is authorised. You should always consider the implications of sharing your security credentials and your personal information. If you suspect that anyone else knows them, call us immediately on 0800 400 100* (outside the UK dial +44 (0) 2476 842 099)
• If you don’t let us know, we may not pay you back if someone takes money from your account because they knew your account details
• The app gives you access to your bank accounts, so you need to make sure you don’t allow anyone to log into your account through the app
• Always keep your phone or tablet secure and close the app if you’re not using it. Don’t let anyone see your PIN if you are viewing it on your app
• App Push Notifications include your transaction details, which will appear on the locked screen of your mobile device unless you change its settings
• Some devices allow you to use your fingerprint or Face ID for logging into the app. If you enable this feature, then anyone whose fingerprint or Face ID is registered on your phone or tablet may be able to log into the app and access your accounts. Therefore, you must not activate this feature if you allow other people to access your phone or tablet using their fingerprint or Face ID. You should delete any other fingerprints or Face ID registered on the device first; otherwise, transactions made by anyone else who has their fingerprint or Face ID registered on the device will be treated as being authorised by you
• Don’t install or use the app on a jail-broken or rooted device. These have had their security features changed in order to work, which makes them less secure, and means that fraudsters could access your phone or tablet and steal your information or money
• For security purposes, always use the latest version of the app.

If someone wants to know your security details

We won’t ever phone you or send you an email asking for your security details. Nor will we ever ask anybody to do this for us. If anyone contacts you asking for your security details, they may be a fraudster. Tell us straight away on 0800 400 100 * (outside the UK dial +44 (0)2476 842 099).

Data Privacy and your rights

We are 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, to provide access to the products and services of trusted third parties, to onboard you as a customer, to access your location if you use certain features (like the cash machine finder), to send you push notifications (if you enable them) and to meet our legal and regulatory obligations. We may also share your information with our trusted third parties for these purposes and in some cases these third parties may require you to accept further terms and conditions.

For more detailed information on how and why we use your information, including your rights in relation to your personal data, please go to barclays.co.uk/important-information/control-your-data/

If you are using the app to become a Barclays customer and you can’t complete your application straightaway, we’ll hold your data for 90 days to give you time to continue your application from where you left off. After this, it will be deleted.

Cookies (app T&Cs)

This app uses cookies and similar technologies (cookies). These cookies help the app to work and collect information about how you use the app to enable us to improve it. We also use cookies to check that it’s you when you’re using the app and to help us to detect and prevent fraud. For example, we collect behavioural biometrics (such as the way you use your device) to enable us to track changes in the way you interact with the app. 

You can manage how the app accesses your device or information using your privacy settings. We need to use certain cookies in order for the app to work, but if you uninstall the app we will no longer collect any information from your device. Any data collected before you uninstall the app will be retained in accordance with our data privacy notice. 

For more detailed information about cookies and how they’re used on the app, visit our cookies page.  

What else you need to know

Changes to the app and our terms and conditions

• If we need to change anything about the app, we’ll tell you about the change in advance (if it negatively affects how you use the app) or we’ll tell you after we make the change (if it benefits you or doesn’t affect how you use the app). We’ll send you a text or alert or display a message about the change when you next use the app or log into our website. If there’s anything we need you to agree we might ask you to read and accept a message on your screen to continue using the app
• From time to time, we may update the app through the App store. Depending on what the update is, you may not be able to use the app until you’ve installed the latest version and accepted the new information about it. We’ll let you know via your phone or tablet when there’s a new version to upload
• Make sure any device you use to access the app complies with the standards and requirements we tell you about from time to time.

Contacting you

• From time to time, we may contact you about the app by email, text or other messages on the app, or by telephone or post
• Sometimes, these may be marketing messages. If you don’t want to receive them, you can tell us at any time by contacting us on our normal contact number. You can also text STOP in response to marketing text messages or follow any other instructions we include to unsubscribe
• Statements – you agree to receive your monthly and annual Barclaycard statements in the app. These will be in PDF format. Statements are shown in the app for 12 months and can also be printed or saved on your own devices for future reference. They are also available in Barclaycard online servicing
• Your digital statement may include notices that we are required to give you, such as arrears or default sum notices, and information about changes to your terms and conditions and interest rates
• We may still sometimes send communications by post, for example, notices about a breach of your agreement. This may be instead of, or in addition to, communications by electronic means
• It is important that you keep us updated with any changes to your contact details
• Please remember that you are responsible for checking your statements whether or not you receive a statement reminder
• Following a period of inactivity, we may remove your access to a digital servicing channel in order to protect your account information. If this happens, you simply need to re-register for access when you are ready
• We recommend that you take copies of your digital statements if your account is closing for any reason, in case you need these for future reference
• If you would prefer to receive statements by post, you can change your statement preference in Barclaycard online servicing or by calling customer services

If things go wrong

If something goes wrong and it’s our fault, we’ll make good your loss. The terms of our account (the general terms or Barclaycard conditions) explain when you can claim back from us if you lose money because of something that’s our fault.

There are some things that we’re not responsible for because, for example, they’re out of our control or they relate to how your phone or tablet works. So we can’t be responsible if you lose money because

• You can't access the app for any reason or it’s slow
• Any device, hardware or software you use with the app is damaged or corrupted or doesn’t work
• The app doesn’t work as you expect, doesn’t meet your requirements or contains errors or defects or we don't correct these
• You don’t receive a text or message in the app in time
• We’re prevented from providing any service in part or in full because of something a third party does
• A control applied to your Barclays debit card does not prevent a properly authorised payment, in the circumstances explained to you before you applied the control. For example, if you apply the Remote Purchase control then recurring transactions (such as subscriptions), instalments, refunds and in-store transactions will not be stopped, nor will transactions where a merchant incorrectly categorises a transaction or where the terminal does not dial out for authorisation (eg tickets on a train) – for further details see barclays.co.uk/current-accounts/debit-cards/card-management/ and the 'Cards' option under the 'Quick Links' menu on the homepage within the app
• You do not update the app when prompted.

Part B - Paym (you need a Barclays current account to use this service)

The Paym service will be closed on 7 March 2023. From this date you will no longer be able to make payments via this method. It also won’t be possible to use the Siri payments feature from 7 March 2023.

The app lets you send and receive money using just a mobile number via a non-Barclays service, Paym.

By registering to receive mobile payments, you agree that your account number, sort code, mobile number and name will be shared with Paym (including its employees, contractors and suppliers) and other participating banks and building societies. Other users of Paym will be able to see your name and mobile number. There’s more information on the Paym website, Paym.co.uk.

You can only register for Paym with one account so if you’ve already registered an account from another bank or building society, you’ll need to de-register before you can register with your Barclays current account.

Some things you need to know about paying to and from a mobile contact:

• Payment limits apply – please contact us for more details (you can use the direct call function in the app)
• By selecting a contact within the app, you consent to us accessing your address book on your device
• When you use the Siri Payments feature, we will share limited data with Apple so that Siri can understand when you ask to make a payment, and can access payment details for the person you have asked to pay. Please see Apple’s privacy notice (within your Siri device settings) for details of how Apple uses your information. You can opt out of Siri access within the app in your device settings at any time

If you enter the wrong details, the payment might not go through or it might go to the wrong person. While we’re not held responsible for this, we’ll help you try to get your money back. We explain this in more detail in the ‘Barclays and you’ terms and conditions you entered into at the start of your relationship with us.

Part C – Paying for goods and services using the app (you need a Barclays account to use these services)

You can use the app to pay for goods and services in the following ways:

• Contactless payments of up to £300 using an NFC-enabled Android device (you need a Barclays current account or Barclaycard account to use this service)
• Using Pay by Bank app for online purchases (you need a Barclays current account to use this service)

Purchases of goods and services using the app will be subject to the terms and conditions of the merchant you bought from, including your rights in relation to refunds and purchases.

Some things you need to know about Pay by Bank app

You can deactivate Pay by Bank app in your app settings at any time.

The merchant you are buying from will share details of the transaction with Barclays, but none of your financial or personal information will be sent to the merchant when you make a payment.

Purchases made using Pay by Bank app are not eligible for our reward schemes.

If there is a dispute about a transaction initiated using Pay by Bank app we may release any information we consider relevant about that transaction to the merchant you bought from and/or any person settling the dispute.

Pay by Bank app has a process for disputed transactions. If you are unable to resolve an issue directly with the merchant, then Barclays will try to help you raise a formal dispute to resolve the issue. Further information can be found in the FAQ section of Mastercard’s Pay by Bank app website under ‘disputes service summary’.

Further general information on how to use Pay by Bank app can be found by visiting Mastercard’s Pay by Bank app website.

Part D – Mobile Cheque Imaging Deposit

What is Mobile Cheque Imaging Deposit?

You can now use mobile cheque imaging to deposit cheques securely using the app.

How does mobile cheque imaging work?

By scanning and submitting cheques drawn on a sterling bank account through the app to be deposited into your Barclays bank account ('the Service';)

Depositing cheques using the Service

By using the Service, you agree that

• You’ll only submit eligible cheques that meet the standards we tell you
• All information you give us is accurate and true
• You agree to only use this Service in the United Kingdom, Jersey, Guernsey, Isle of Man and Northern Ireland

Just like traditional cheque deposits, there are some instances in which we are unfortunately unable to accept and process the cheques that we receive from you. We are not able to accept the following

• Cheques payable to another person or entity (ie cheques not in your name)
• Cheques containing obvious alterations or that you think, suspect or know to have been altered, forged or unauthorised by the drawer
• Cheques previously deposited using the Service
• Cheques not payable in sterling (cheques in another currency)
• Travellers cheques, bankers’ drafts or other bills that aren’t cheques;
• Post-dated cheques (on the date you submit them)
• Cheques dated more than 6 months before the date of deposit
• Cheques that breach the Service or our agreement with you;
• Any other cheques or items we tell you about from time to time;

We can also reject the following items

• Duplicate items
• Items that exceed our deposit limits 
• Deposits from an account that’s been closed or switched 
• Deposits from an ineligible account 
• Items that don’t contain any of the essential features
• Items we consider illegible, invalid or in breach of our agreement with you
• Items that may contain viruses or other inappropriate content

Making sure your cheque has been completed correctly

Before submitting a cheque, you must make sure it has the following details (completed by the person paying you)

• Date – the cheque must have a date that’s less than 6 months before the date you want to deposit it but must not be post-dated when you submit it
• Drawer’s name and signature
• The amount – in words and figures

Image quality

You must submit a legible image that meets the image standards we tell you when you register for or use the Service. You should place the cheque on a dark background, ensuring the image is in focus and the 4 corners of the cheque are visible when you capture the image. 

Processing your cheque

Cheques deposited using the Service by 3.59pm on a weekday will be processed and credited to your Barclays account by 11.59pm the next weekday at the latest (Monday to Friday, except bank holidays).

We’ll only start processing a cheque when we receive it, ie when you successfully submit the cheque using the Service and we confirm its receipt. This doesn’t mean the cheque is error-free or complete. We can still review cheques and reject them at our discretion. For example, if there’s a discrepancy between the amount you’ve entered and the amount on the scanned image, we’ll return the cheque unpaid. 

Unless we tell you otherwise, cheques will be presented and cleared as set out in our agreement with you.

Deposit limits

We’ll place limits (which we can change anytime) on the amounts and number of deposits that you can make using the Service. We’ll tell you the limits in the app.

What else we need you to do

You’ll need to keep the original cheque for 10 days after we credit your Barclays account. During this period, we might ask you to provide us with the original cheque – well let you know why (for example, to resolve a dispute). Once you’ve submitted an image, you can’t present the original cheque or image again for payment, either at Barclays or another bank.

If something goes wrong

We’re responsible to you as set out in the general terms of your Barclays account.

You authorise us to take a cheque payment back out of your Barclays account – even if we’ve allowed you to make a payment or take cash out against it – in any of the following cases 

• If you’re not the correct payee for the cheque, or the name of the payee doesn’t match with your Barclays account
• If we’re told or become aware that a cheque was incorrectly paid into your Barclays account
• If we credit your Barclays account but the cheque is unpaid (bounces)
• If the cheque has material errors or is missing any of the essential features set out in condition 4 
• If the cheque had already been paid, stopped or blocked by the time you submitted it
• If you’re unable or unwilling to produce the original cheque on request, within the agreed period
• If we do take a cheque payment out of your account, we’ll write to you and explain why.
• We can block your use of the Service and we’ll write to you to explain why. We can also end our relationship with you if you break the terms of this agreement. If we end our relationship with you, we’ll write to you to explain why.

From time to time, updates to the Mobile Cheque Deposit operating systems and software may be issued and you may not be able to use the app until you’ve downloaded the latest software updates and accepted any new terms.

Part E – Barclays Launchpad

Launchpad allows you to test new features for the app before the final version is released to other users.

We can change, update or withdraw any feature at any time. Some features might not be fully functional or may contain defects. The final version of a feature (if any) may contain new functionality and offer a different experience from that available in Launchpad.

You do not have to give feedback but if you do, you understand we may use your feedback, ideas or suggestions without any obligation to attribute them to you or to compensate you. We may suspend or end Launchpad at any time. More information on Launchpad can be found here.

Part F – Invoicing

If you have a Barclays Business current account, you can create, track, manage, view and issue invoices to your customers using the app.

You are responsible for ensuring that the correct details are used for the intended recipient of any invoice you send. If you don’t, both your data and your customers' data may be shared with an unknown third party. You should only share account details with the intended recipient of any invoice.

We will only use the customer data you enter into an invoice for the purposes of creating the invoice and any other legal or regulatory requirements we may have in this regard as a data processor. You are responsible for ensuring that you have the necessary rights to process the data you enter into any invoice, including any logos or images you upload.

Part G – Digital receipts

From 14 October 2022, digital receipts are no longer being provided to customers in the app.

If you previously registered for digital receipts, then from 14 October 2022

• You will not receive any new digital receipts for your transactions with participating retailers
• Your anonymised transaction data will not be shared with Flux Systems Limited
• If you would like a copy of your digital receipt for an eligible transaction with a participating retailer prior to 14 October 2022, please contact us

Digital receipts were available with these participating retailers

• Ed’s Easy Diner
• Farmer J
• Giraffe
• H&M
• Itsu
• Just Eat
• KFC
• Papa John’s Pizza
• Pure
• Schuh
  
  

Part H – Open Banking

What does Open Banking mean for the app?

If you're a UK based Personal current account or UK Wealth customer, you can choose to view certain sterling and non-sterling savings and payment accounts (including credit cards) held with other banking providers that are supported within the app. You can also initiate payments from your sterling current accounts held with other banking providers using the app. 

To provide these services, we’ll need to request data from your other bank. Before we do that, we will ask your permission. If you give your permission, we’ll request information on your accounts, including account identifier, product type, balances and up to two years of transactions. You’ll need to confirm your permission with us every 90 days. You’re only permitted to view or initiate payments from sterling current accounts that are held in your name or accounts over which you have appropriate authority. Your other banking provider may refuse to share the data with us if you don’t have appropriate authority over the account.

You can stop sharing your data with us at any time from within the app. Simply go to ‘Settings’ and ‘Third-party permissions’. If you do this, we’ll stop requesting your data from the other provider immediately. If you cancel your app registration or close your Barclays accounts, you won’t be able to use this service anymore.

We aren’t liable for the accuracy of the data we receive from other banking providers. If something happens that's beyond our control and we're unable to provide this service, we can remove or suspend access to this service without notice.

Part I – Other things you need to know

If you’re unhappy with something

If you're unhappy with the app or feel we have done something wrong, please contact us and give us the opportunity to investigate and resolve the matter. This also helps improve our service for all customers.

If you remain unhappy

If after we have investigated you remain unhappy, you may be able to contact the Financial Ombudsman Service (FOS). The Financial Ombudsman is a free, independent service for resolving disputes between customers and financial services institutions. If you're eligible to make a complaint to the FOS, you'll need to contact them within 6 months of our final response letter – and they'll ask to see the letter as summary of our investigation of your complaint.

Web: financial-ombudsman.org.uk

Email: complaint.info@financial-ombudsman.org.uk

Phone : 0800 023 4567

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Online Dispute Resolution

The European Commission has set up an online dispute resolution platform (ODR platform) to help customers who have bought goods or services online from traders established in the European Union. If you have not been able to get your complaint resolved to your satisfaction, you can submit your complaint online through the ODR platform. The platform will then send your complaint to the Financial Ombudsman Service (FOS) for an independent review. To save time you may wish to contact the FOS directly, using the details provided in the terms and conditions for your product.

As a Barclays customer, you may use this service if you purchased your product or service with us online. You will need to quote our postal address, website address and email address.

Barclays, Leicester LE87 2BB

barclays.co.uk

ODR@barclays.com

These terms are governed by the law applicable to the general terms and Barclaycard Conditions.

Third-party software and copyrighted material

The app uses and includes third-party software and copyrighted material. It’s also subject to third-party or other open-source licences. Portions of the software are based in part on

iOS

• JSON (JavaScript Object Notation) licensed by Stig Brautaset (Copyright ©2007–2011 Stig Brautaset)
• CocoaLumberjack licensed under BSD Licence (Copyright ©2010, Deusty, LLC)
• OpenSSL toolkit under dual licences OpenSSL Licence (Copyright © 1998–2011 The OpenSSL Project) and Original SSLeay Licence (Copyright ©1995–1998 Eric Young – eay@cryptsoft.com)
• MIT licence (Copyright ©2011 Matej Bukovinski)
• Licence for Base64 encoding options on the Mac and iPhone, Copyright ©2009–2011 Matt Gallagher. All rights reserved
• Basic demonstration of how to use the System Configuration Reachability APIs, Apple Disclaimer, Copyright ©2010 Apple Inc. All Rights Reserved

Android

• OpenSSL toolkit under dual licences OpenSSL Licence (Copyright ©1998–2011 The OpenSSL Project) and Original SSLeay Licence (Copyright ©1995–1998 Eric Young – eay@cryptsoft.com)
• Apache Version 2.0, January 2004, licensed under the Apache Licence (apache.org/licenses/LICENSE-2.0) and The Android Software Development Kit used under licence from Google Inc.

iOS and Android Phone

• W3C Software (Copyright ©1994–2001 World Wide Web Consortium, (Massachusetts Institute of Technology, European Research Consortium for Informatics and Mathematics, Keio University). All Rights Reserved. w3.org/Consortium/Legal/2002/copyright-software 20021231

Call monitoring and charges information

Calls may be monitored or recorded for quality and training purposes. Calls to 0800 numbers are free if made from a UK landline. Charges may apply when calling from abroad.

The app is provided by the Barclays company with which you hold an account (Barclays Bank UK PLC, Barclays Bank PLC or Barclays Investment Solutions Limited). Please refer to your account documentation (terms and conditions, statements, etc) to confirm the legal entity that provides banking or investment services to you.

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 number: 759676). Barclays Bank UK PLC is registered in England. Registered no. 9740322. Registered office: 1 Churchill Place, London E14 5HP.

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). Barclays Bank PLC is registered in England. Registered no.1026167. Registered in England. Registered No. 1026167 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.

Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP)

Barclaycard is a trade mark of Barclays PLC used under licence.

Barclays offers wealth and investment products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Bank PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Registered Number: 1026167. Registered Office: 1 Churchill Place, London E14 5HP. Barclays Bank PLC, Jersey Branch has its principal business address in Jersey at 13 Library Place, St Helier, Jersey and is regulated by the Jersey Financial Services Commission. 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 and is licensed by the Isle of Man Financial Services Authority. Barclays Bank PLC, Guernsey Branch has its principal place of business at St Julian’s Court, St Julian’s Avenue, St Peter Port, Guernsey and 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