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Important information about your accounts
Cooling-off
If you are not happy with your choice of savings or investment accounts (except for a fixed rate account), within 14 days of opening your account we will help you switch accounts, or we will give all your money back with interest. We will ignore any notice period and any additional charges.
The Financial Services Compensation Scheme
Barclays Bank PLC is a member of the Financial Services Compensation Scheme 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 £35,000 of a depositor's total deposits with the bank. Most depositors, including individuals and small firms, are covered. The Scheme 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 Scheme are available on request from the Financial Services Compensation Scheme, 7th floor, Lloyds Chambers, Portsoken Street, London, E1 8BN. Helpline 020 7892 7300. Website www.fscs.org.uk
This Scheme is not applicable to branches in the Channel Islands or the Isle of Man.
Our interest rates explained
Gross rate
If you are a non-taxpayer you may be able to receive interest gross, ie without the deduction of tax.
If you're certain that you're a non-taxpayer, the fastest way for you to register to receive interest tax free is to print off the HM Revenue & Customs R85 Form (Adobe Reader** is required to view and print the policies) and drop your signed and completed form in at any of our branches, or send to:
Savings
PO Box 6539
Leicester, LE87 2GA
You may find it useful to print off this page so that you have a record of the address. If you don't have access to a printer, you can pick up an R85 form at any of our branches or at your local Post Office or Tax Office.
Net rate
The rate payable after the deduction of lower rate tax (which may be reclaimed by non-taxpayers - see Gross rate above). As the rate of tax may vary, the net rate is given for illustration only and has been rounded to two decimal places.
AER - Annual Equivalent Rate
Illustrates what the interest rate would be if interest was paid and compounded once each year.
Tax-free
Indicates that the interest is exempt from UK income tax, provided all ISA conditions are met.
Changes to our interest rates
Whenever there's a change to our rates you'll usually find them printed in the Daily Telegraph, Daily Mail, Belfast Telegraph and The Scotsman, by calling 0845 603 0845* or by checking this page.
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