The Barclays app, simply titled “The Barclays app”, is worth a look. Notable features include simple international transfers and a range of rewards, including cashback.
It’s clear that Barclays has taken inspiration from digital apps such as Monzo and Starling; the Barclays app can give you an overview of your spending by category and even gives you the option to manage current accounts from other banks.
If the Barclays’ app doesn’t quite suit your needs however, have a read of our other app reviews to find a banking app that does.
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The Barclays app is an app by Barclays Bank, designed primarily for existing Barclays customers; although, you can use it to manage accounts held with other banks. It’s designed to be an easy way to check your balance, make payments and earn rewards.
How does the Barclays app work?
The app is linked up to any current or savings account of your choosing, allowing you to see balances and transactions for each account. You can also do the following:
View and delete direct debits
Transfer money between current and savings accounts
Set up, manage and cancel standing orders
Make payments to a mobile phone number
Make international payments (available for 35 countries)
Stop cheques from being cashed if they haven’t been already
Make payments with your iPhone via Siri
Freeze debit and credit cards
Change your withdrawal limit
If you forget your PIN, you can view it in the app
Select cashback reward offers
How do I apply for a current or savings account with Barclays?
The easiest way to apply to open a new account with Barclays Bank is online. Go to the Barclays website to open a sole or joint account, open a second account or switch your existing account to Barclays.
Saving with the Barclays app
You can use the Barclays app to manage your savings account as well as your current account. Echoing digital banking heavyweights such as Starling, you can use the Barclays app to see a “breakdown” of your spending, allowing you to view exactly where your money’s going.
Expenditure can be organised by category, so you can see, for example, how much you normally spend on eating out or on train fares. However, you can’t set saving targets to help focus your budgeting efforts.
Barclays Bank fees and limits
Current accounts with Barclays Bank will set a monthly maximum charge for going overdrawn without a pre-arranged overdraft or for going over your arranged overdraft limit.
You may also be charged £8 a day if you have any unpaid transaction fees.
Is Barclays Bank safe?
The Financial Services Compensation Scheme (FSCS) is an independent statutory fund set up to safeguard consumer finances in the event of a bank being unable to meet its payment demands. Barclays Bank has full FSCS protection, which provides compensation for the loss of up to £85,000 – as is the standard for UK bank accounts.
Get full access to current and savings account – you can receive your salary, make direct debit payments and bank transfers.
Instant notifications for transactions mean you no longer have to wait like with normal banks.
You can freeze your account if your credit or debit card is lost – then unfreeze it if it’s found.
International transfers are available for over 35 countries.
Access a broad network of bank branches if something goes wrong.
Payments can’t be made from the app’s “Accounts” page, meaning you may end up switching back and forth between pages.
Payments made in non-sterling currencies will incur the Non-Sterling Transaction Fee.
Frequently asked questions
No. While the app is designed for use with Barclays current savings accounts in mind, you can link it up to current and savings accounts from any bank.
To transfer money across accounts, tap “Move money” on the app’s home screen. You can then choose the account you’d like to transfer money to. Enter the amount and choose whether you’d like to transfer it straight away or on a future date.
Transferring money from account to account should only take a very short time – your money will usually be transferred immediately. This may take longer in some cases, however.
To delete a payee, you’ll need to ensure that no future-dated payments or standing orders are due to be made to that payee. These need to either be cancelled, or you’ll have to wait for the payments to be made before the payee can be deleted. To delete a payee, follow these steps:
Tap “Pay and transfer” from the app’s main menu.
From here, tap “Manage and track”.
Tap “Manage saved payee list”.
From here, you’ll be able to delete saved payees as long as there aren’t any outstanding payments to be made to them.
Oli is a writer for Finder UK. He writes guides, features and news about a range of topics, including banking, credit cards, mortgages and personal loans. He studies English Literature at the University of Sussex, and in his spare time enjoys cycling and playing the guitar, though not necessarily at the same time.
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