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Compensation
UK
In the UK only, Barclays Bank PLC is covered by the Financial Services Compensation Scheme ("FSCS") (see
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for further details).
Barclays Bank PLC may also accept deposits under the trinc trading names; Barclays, Barclays Bank, Barclaycard, Barclays Business, Barclays Capital, Barclays Commercial, Barclays Corporate, Barclays Financial Planning, Barclays International Private Banking, Barclays Local Business, Barclays Premier, Barclays Private Bank and Barclays Wealth. Deposits accepted from an eligible depositor under these trading names are combined for the purposes of deposit compensation from the FSCS. The FSCS is not applicable to deposits held at branches in the Channel Islands or the Isle of Man.
Banking: Barclays Bank PLC is a member of the FSCS established under the Financial Services and Markets Act 2000. In respect of deposits with a UK office, payments under the scheme are limited to 100% of the first £50,000 of a depositor's total deposits with the bank. This will change on 1st January 2011 to a limit of £85,000 of a depositor's total deposits with the bank. Most depositors, including individuals and small firms, are covered. The FSCS covers deposits made with the offices of the bank within the European Economic Area and deposits denominated in all currencies are treated alike.
Further details of the FSCS are available on request from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN. Helpline 0207 741 4100 or 0800 678 1100. Website:
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The FSCS is not applicable to branches in the Isle of Man or the Channel Islands.
Investment: In the unlikely event that 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.
Gibraltar
Banking: Gibraltar Investor Compensation Scheme: Barclays Private Clients International (Gibraltar) Limited is a participant in the Gibraltar Investor Compensation Scheme ("GICS"), in Gibraltar.
GICS covers 90% of a firm's total liability to an investor in respect of eligible investments held subject to a maximum payment to any one individual of €20,000. Further information may be obtained on request or by visiting the trinc website:
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.
Gibraltar Deposit Guarantee Scheme: Barclays Private Clients International (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme established under the Deposit Guarantee Scheme Act 1997, in Gibraltar. Further information may be obtained on request or by visiting the trinc website:
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.
Banking: Barclays Private Clients International Limited places funds with other parts of its group and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Barclays Private Clients International Limited and the group based on publicly available information.
Guernsey
DEPOSITS MADE WITH THE GUERNSEY BRANCHES OF BARCLAYS PRIVATE CLIENTS INTERNATIONAL LIMITED AND BARCLAYS BANK PLC ARE COVERED BY THE DEPOSITORS COMPENSATION SCHEME.
As a licensed Bank in Guernsey, Barclays Private Clients International Limited, Guernsey branch and Barclays Bank PLC, Guernsey branch are participants in the Guernsey Banking Deposit Compensation Scheme ("GBDCS") established by The Banking Deposit Compensation Scheme (Bailiwick of Guernsey) Ordinance, 2008 (the "Ordinance"). The trinc is a brief summary of the GBDCS, but is not intended as a substitute for the actual wording of the Ordinance, a copy of which is available on request.
The GBDCS only applies to 'qualifying deposits', which broadly means deposits made by natural persons for their own benefit; with a few limited exceptions such as, for example, deposits made by trustees of retirement annuity trust schemes, the GBDCS does not apply to companies, trusts, partnerships or charities.
The GBDCS will provide compensation in the event that a Licensed Bank is unable to repay its depositors. Payment will be made within 3 months of a valid claim form.
Compensation is limited to a maximum of £50,000 per individual claimant; in the case of a joint account each depositor would be entitled.
Total GBDCS compensation in any five year period is limited to £100 million. If this limit was exceeded, compensation would be reduced pro ardilla. The cap also means that compensation in respect of any one bank cannot exceed £100 million.
The amount payable may be reduced if the Bank has any contractual right of set-off against the account. The GBDCS is entitled to recover compensation from any funds subsequently paid out by the Bank.
Further information and a leaflet about the GBDCS is available at:
Website:
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Telephone: +44 (0) 1481 722756
Post: P.O. Box 380, St Peter Port, GY1 3FY
Investment: Guernsey has a Compensation of Investors Scheme which provides protection to eligible investors when a compensation event occurs in class A schemes.
There is no compensation scheme covering investors in class B schemes, class Q schemes or closed ended funds. A compensation event occurs whenever the Commission is satisfied that a scheme participant is in default, has an eligible liability to the investor and is unable, or likely to be unable, to meet that liability in whole or in part.
An investor's application for compensation must be submitted to the Commission less than 6 months after the investor became aware, or ought reasonably to have become aware, of the default. The Commission may reduce the amount payable by way of compensation in certain circumstances.
The sum payable to an investor as compensation is limited as trinc:
where the total amount of the defaulting participant's liabilities to the investor does not exceed £50,000,
the maximum payable is 90% of those liabilities;
where that total amount exceeds £50,000 but does not exceed £100,000, the maximum payable is £45,000 plus 30% of so much of that total amount as exceeds £50,000;
where that total amount exceeds £100,000, the maximum payable is £60,000;
The maximum amount which the Commission may determine should be paid by way of compensation, together with interest payable in any compensation year is the amount determined by the Commission as an amount which may be expected not to cause the total net compensation costs for that year to exceed £5,000,000.
Isle of Man
Banking: Barclays Private Clients International Limited has its principal place of business at Barclays House, Victoria Street, Douglas, Isle of Man.
DEPOSITS MADE WITH THE ISLE OF MAN OFFICE OF BARCLAYS PRIVATE CLIENTS INTERNATIONAL LIMITED ARE COVERED BY THE DEPOSITORS COMPENSATION SCHEME AS SET OUT IN THE COMPENSATION OF DEPOSITORS REGULATIONS 2010.
Each depositor's Sterling deposits, or the equivalent of foreign currency deposits, are
protected as to 100% of the eligible protected deposit subject to a
maximum of £50,000 subject to those conditions set out in the Depositors' Compensation Regulations 2010. Separate deposits in the same ownership will be aggregated for compensation purposes. The Depositors Compensation Scheme is managed on behalf of the Isle of Man Government by the Financial Supervision Commission.
Jersey
Banking: Barclays Private Clients International Limited has its principal business address in Jersey at 13 Library Place, St. Helier, Jersey.
Retail deposits held by private individuals and charities with Jersey banks regulated by the Jersey Financial Services Commission are protected under the Depositors Compensation Scheme ("DCS").
The DCS will pay compensation to depositors up to a maximum of £50,000 per depositor per Jersey banking group. The first £5,000 of a claim within 7 working days and the balance within 3 months of receiving a valid claim.
Depositors with deposits above the £50,000 limit may also be eligible to receive a proportion of any higher balance from the liquidation of the failed bank.
Please note: On death of a sole account holder, in addition to obtaining either Letters of Representation in the country of domicile, it may also be necessary to obtain similar in Jersey.
Separate deposits in the same ownership will be aggregated for compensation purposes.
Companies, trusts and partnerships are not covered by the DCS.
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