Barclays app review

Barclays' banking app offers cashback rewards and a super simple way to transfer money abroad

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Barclays

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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What is the Barclays app?

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.

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Pros and cons of the Barclays app

Pros

  • 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.

Cons

  • 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

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