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BarclaysInternationalBankingLookforwardtoafreshperspective
Multi-currency accounts | Savings | Investments | Foreign exchange
International Banking
Contents 4 WelcometoBarclaysInternationalBanking
5 WhychooseBarclays?
6 InternationalBankingataglance
8 Simplewaystomanageyourmoney
11 Foreignexchangethatsuitsyou
12 BuyingapropertyintheUK
13 Planningyourinvestments
14 Serviceandsupport
BarclaysInternationalBankingbringsyoutheopportunitytobankoffshore,openmulti-currencyaccountsandinvestinawaythatsuitsyou.We’llprovideahomeforyourbanking,savingsandinvestmentsaswellasaccesstoexpertisethatcouldhelpyouachieveyourambitions.
Aswellasavarietyofbankingandinvestmentproductsandservices,weofferyoutheabilitytoholdyourfundsoutsideyourhomecountrywithsupportandservicesforworking,livingorretiringabroad.
Yourwealthdoesn’tstandstill,soneitherwillwe.WeunderstandthateveryoneusesInternationalBankingfordifferentreasons,andwedon’tbelievethat‘onesizefitsall’whenitcomestoyourmoney.Wewanttouseourexpertisetohelpyouachieveyourgoals.
Aswellashavingaccesstoonlinebanking,youcancontactusthroughourServiceCentre,usingourinternationaltollfreenumber+800 800 88885,alternativelyyoucancall+44 (0) 1624 6844441.
You’llhaveallthesupportyouneedfromourInternationalBankingteam.OurexperiencedServiceExecutivescanhelpwithyourday-to-daybankingneeds.TheycanperformIndividualReviews2tounderstandyourfinancialgoalsandhelpyoumakethemostofyourmoney.OurRelationshipServiceisavailabletoclientswhomaintainatleast£100,000,orcurrencyequivalent,insavingsandinvestmentswithBarclaysInternationalBanking.Throughthisserviceyou’llhaveaccesstofinancialspecialistsandaRelationshipManagerwhowillhelpyoumanageyourwealthandcreateaplantohelpyouachieveyourambitions.
Themoreyouchoosetoholdwithus,thegreatertherangeofproducts,servicesandexpertiseweoffer.
Please note: all investments carry risks which means that they can fall in value as well as rise and you may get back less than you invested.
WelcometoBarclaysInternationalBanking
Whetheryou’replanningforyourchild’seducation,movingabroadorgettingreadyforretirement,weknoweveryonehasdifferentgoalsforthefuture.
1Tollfreenumbersmaynotbeavailableinsomecountries.Pleaseusethealternativenumberprovided. 2TheIndividualReviewaimstocaptureandupdateinformationaboutyourfinancialgoalsandwhatisimportanttoyou.ThismayresultinourServiceExecutivesbeingableto
providefurtherinformationtoyouonadditionalproductsandservices.Pleasenotethatnotallproductsandservicesdescribedinthisbrochure,includingtheIndividualReview,areavailableinalljurisdictionsandsomeareavailableonalimitedbasisonly,duetolocalregulatoryandlegalrequirements.PleasenoteourServiceExecutiveteamdoesnotprovidefinancialadvice.
barclays.com/international | +800 800 88885 | +44 (0) 1624 684444
WhychooseBarclays?
GlobalperspectiveWithInternationalBanking,you’llhaveaccesstobankingexpertisefromacrossBarclays,oneofthelargestfinancialservicesgroupsintheworld.
SecuritythroughsmarttechnologyYoursecurityisourpriority.Ouronlinesecuritysystemswillkeepyourinformationandassetssafefromfraud.TheInternationalBankingServiceCentreusesadvancedvoicerecognitiontechnologytoidentifyclientsoverthephone.
RewardingrelationshipsYourfinancialneedsareimportanttousandourServiceExecutives,RelationshipManagersandotherspecialistswillworkwithyoutohelpyougetthemostoutofyoursavingsandinvestments,whateveryourfinancialgoals.
GetintouchYoucancontactusonlineortalktoourServiceExecutivesusingourinternationaltollfreenumber+800800 88885,alternativelycall+44 (0) 1624 6844441.YoucanalsoregisterforBarclaysMobileBankingtohelpyoumanageyourmoneyonthego.BarclaysMobileBankingiscurrentlyavailableonsmartphonesforsterlingaccounts.
Wehaveover325yearsofhistoryinmanagingmoneyforourclients.We’reagloballyrecognisedorganisationofferingyoubanking,savingsandinvestmentproductsthatmightnotbeavailablelocallytoyou,inawiderangeofcurrencies.
4|5
InternationalBankingServiceDevelopedforclientswhomaintainatleast£25,000orcurrencyequivalent¹,ourInternationalBankingServicewillprovideyouwithsecurebankingtechnology,accesstoBarclaysMortgageAdvisers,TreasuryTeamandServiceExecutiveswhoarereadytooffersupporttoanyInternationalBankingclient.
Our Service Executives can:• Manageyourday-to-daybankingneeds
• ConductanIndividualReviewtoexploreyourfinancialgoalsandtalkyouthroughtheproductsandservicesweoffertohelpyouachievethem
• HelpyoutoopenadditionalInternationalBankingaccounts
Callthemonourtollfreeinternationalnumber+800 800 88885,alternativelyyoucancall+44 (0) 1624 6844442.
IMPORTANT:Ifyouraveragebalanceinsavingsand/orinvestmentsfallsbelow£25,000(orcurrencyequivalent)forfourconsecutivemonths,youwillbechargedamonthlyfeeof£20.Forfurtherinformationonservicelevelsandfees,pleaserefertoourInternationalBankingAdditionalTermsandTariffGuide.
RelationshipServiceDesignedforclientswhomaintainatleast£100,000orcurrencyequivalent1,ourRelationshipServiceoffersclientsarangeofexpertsincludingInternationalInvestmentAdvisers,TreasurySpecialistsandaRelationshipManager.OurServiceExecutiveswillalsobeonhandforanyofyourday-to-daybankingneeds.
Our Relationship Managers can:• Taketimetoexploreyourfinancialgoalsindetailand
understandwhatyouwanttoachievefromyoursavingsandinvestments
• Usetheirexpertisetohelpyoudevelopaplantomeetyourfinancialambitions
• HelpyougetthemostoutoftheBarclaysGroupbyputtingyouintouchwithrelevantspecialists
• Keepyouinformedwithrelevantresearchandinsightsandhelpyoutomanageyourwealth.
InternationalBankingataglanceManagingyourfinancescanfeelcomplicatedattimes.OurInternationalBankingServiceandRelationshipServicecanofferyousupportandpeaceofmindwhenmanagingyourwealth.
IfyouhavecometoliveinoraremovingtotheUKasaNon-Domiciledperson,youwillqualifyforourcoreInternationalBankingServiceifyoudepositandmaintainatleast£25,000(orcurrencyequivalent)oryouhaveanannualindividualgrosssalaryof£150,000ormore(orequivalentinanothercurrencyorcurrencies)andthesalaryyoureceiveispaidintoyourBarclaysInternationalbankaccounteachyearexcludinganyannualbonus.PleaseseeBarclaysInternationalBankingtermsforUKResidentNon-Domiciled(“RND”)clientsformoreinformation.
1Foreitherservice,thestatedamountistheminimumvaluerequiredinsterlingofyoursavingsandinvestmentswithBarclaysInternationalBankingwherenomonthlyfeewillbecharged.Ifyouhavesavingsorinvestmentsincurrenciesotherthansterling,we’llworkoutthesterlingequivalentbyusingtheexchangeratethatappliesatthetimewedothecalculation.
2Tollfreenumbersmaynotbeavailableinsomecountries.Pleaseusethealternativenumberprovided.
InternationalBankingdesignedforyou,whateveryourfinancialambitions.
barclays.com/international | +800 800 88885 | +44 (0) 1624 684444
Asyoursavingsandinvestmentsgrow,ourrangeofproductsandservicescanmovewithyou.
Please note: all investments and mortgages carry risks. For investments, this means that they can fall in value as well as rise and you may get back less than you invested. For mortgages, this means your home may be repossessed if you do not keep up repayments on your mortgage.
1BarclaysMobileBankingisavailableonsmartphonesforsterlingaccounts.
Pleasenote:wemaychangeorreplaceyourRelationshipManagerortheproductsandservicesmadeavailableunderdifferentservicelevelswithoutadvancenotice.Someproductsmayrequireaproductminimumonapplication.Someproductsandservicesmaynotbeavailableinalljurisdictions.
PleaserefertotheInternationalBankingAdditionalTermsformoreinformation.
Ifyoumaintainatleast£250,000insavingsandinvestments,you’llhaveevenwideraccesstoourproductsandexpertise.
Rela
tions
hip
Serv
ice
• AccesstoCompanyandTrustmortgages
• SupportfromTrustSpecialists
Ifyoumaintainatleast£100,000insavingsandinvestments,youcanalsobenefitfromarangeofservicesincludingaccesstoaRelationshipManager.
• ARelationshipManager
• Buy-to-letmortgages(subjecttostatus)
• AccesstoTreasurySpecialistsandInternationalInvestmentAdvisers
• Arangeofinvestmentproducts
Ifyoumaintainatleast£25,000insavingsandinvestments,youcanusealloftheproductsandservicesourInternationalBankingServiceoffers.
Ifyourbalancefallsbelow£25,000forfourconsecutivemonths,youwillbechargedamonthlyfeeof£20.
Inte
rnat
iona
lBan
king
Ser
vice
• 24/7onlinesupportfromourexperiencedServiceExecutiveteam
• Smarttechnology,includingvoicerecognition
• AccesstoBarclaysMobileBanking1
• Foreignexchangeserviceavailableinmultiplecurrencies
• Asavingsaccountinpounds,USdollarsandeuros
• AccesstoadvicefromBarclaysMortgageAdvisers
• AccesstotheBarclaysTreasuryTeam
• Internationalbankaccountinthreemajorcurrencies.(pounds,USdollarsandeuros)
6|7
SimplewaystomanageyourmoneyBarclaysInternationalBankingisheretosupportyou.Wehavearangeofproductsandservicesthatareavailableassoonasyoustartbankingwithus.Whetheryou’rethinkinglong-termorwanttobeabletoaccessyourmoneyquickly,wecanhelpyougetthemostfromyourmoney.
InternationalBankAccountYoucanhaveanInternationalBankAccountinthreemajorcurrencies(sterling,euroorUSdollars)andapplyforanoverdraftfacility.Youcanalsohaveasterlingdebitcard.Creditcardsareavailableinsterling,euroorUSdollars,subjecttoapplication.
InternationalsavingsWhenyouopenaninternationalsavingsaccount,you’llbeabletosaveinthreemajorcurrencies(sterling,euroorUSdollars)aswellasbeingabletomakeandreceiveinternationalpayments.Whetheryou’resavingforsomethingspecial,orsimplywanttoputsomemoneyaside,withInternationalBanking,youcangetinstantaccesstoyoursavings.
Moreinformationonourinterestratescanbefoundatbarclays.com/international
FixeddepositsDepositmoneyforanagreedtermwithourrangeoffixeddepositsthatputyoufirmlyincontrolofthereturnyoumakeonyoursavings.
Youcanmanageyourmoneyandviewbalanceswhereveryouarewithouronlinebankingservice.
barclays.com/international | +800 800 88885 | +44 (0) 1624 684444
Foreignexchange(FX)thatsuitsyouWhenmanagingyourwealth,youneedaforeignexchangeservicethat’squick,easytouseandallowsyoutokeepontopoftherisksposedbycurrencyfluctuations.MakethemostofFXopportunitiesbytakingadvantageofourrangeofproducts,servicesandexpertise.
TreasuryTeamSpeaktotheTreasuryTeamwhowillsupportyouwithallyourFXneeds.Ifyou’reeligibleforourRelationshipService,ourTreasurySpecialistswilloffertheirviewonforeignexchangemarketsandFXexecution.
CurrencyconversionYoucantradeinover70currencypairs,puttingyoufirmlyincontrolofyourcurrencyrequirements.Themoreyouconvert,thebetterthecurrencyrateswecanoffer.Whetheryouwanttosendapaymenttoanothercountryorperformatradetohelpmanagecurrencyfluctuation,ourFXserviceprovidesyouwiththetoolsyouneedtohelpyoumanageyourmoneyinternationally.
iAlertMonitor FX information with iAlert so you can:
• Setupperandlowerexchangeratethresholds
• Receiveemailalertswhencurrenciesyouaretrackinghityourchosenratethreshold
• Getregularemailupdatesontheperformanceofyourchosencurrencypairs.
TofindoutmoreaboutregisteringforiAlertpleasespeaktoaServiceExecutiveorRelationshipManager.
Please note: when entering into FX transactions you can suffer losses.
AllofourclientscanbenefitfromtheexpertiseofourTreasuryTeam.
10|11
MortgageAdviserAMortgageAdviserwillhelpyouchoosethemortgagethat’srightforyou.They’llguideyouthroughthepropertybuyingprocessandsupportyouthroughoutthelifeofyourchosenmortgage,whetheryouneedtorepayearly,re-mortgageormakeanyotherchanges.
WithBarclaysInternationalBankingyoucanchoosefromarangeofUKfixedandvariableratemortgageswiththeongoingsupportandexpertiseofourMortgageAdvisers.
FixedratemortgagesWithfixedratemortgages,theinterestratedoesn’tchangesoyourmortgagerepaymentsstaythesameforafixedamountoftime.Thisisidealifyou’relookingtoplanaheadbecauseyou’llknowexactlyhowmuchyouneedtopaybackeachmonth.You’llalsobeprotectedfromanyunexpectedrisesininterestrates.
VariableratemortgagesVariableratemortgagesaretrackedtotheBarclaysbaseratethattypicallyfollowstheBankofEnglandbaserate.Theydonotcarryearlyrepaymentcharges.
Buy-to-letmortgagesIfyou’reeligibleforourRelationshipServiceyou’llbeabletoapplyforabuy-to-letmortgage,givingyoutheopportunitytopotentiallyreceiveanincomefromyourproperty.Your home may be repossessed if you do not keep up repayments on your mortgage. Your buy-to-let property may be repossessed or a receiver of rent appointed if you do not keep up payments on your mortgage.
BuyingapropertyintheUKTherearemanyreasonswhyyoumightchoosetobuyapropertyintheUK.Youmightbelookingforasecondhome,buyingapropertyforachildstudyingabroadoryoumaysimplywanttoaddpropertytoyourinvestmentportfolio.Ifyou’reconsideringit,wecanofferyousupporttohelpyoumaketherightdecisionaboutyourmortgage.
Ourdedicatedcustomerserviceandhigh-qualityproductrangewasrecognisedattheYourMortgageawards,wherewewerenamedBestBankforMortgagesin2014.
barclays.com/international | +800 800 88885 | +44 (0) 1624 684444
InternationalInvestmentAdviserOurexpertswillhelpyouplanyourinvestmentstohelpyoumakethemostofyourwealth.Theycanunderstandyourneeds,adviseyouonthecharacteristics,benefitsandrisksofourinvestmentofferinganddevelopaninvestmentplanthatmatchesyourgoalsandattitudetorisk.
DiversifiedfundsDiversifiedfundsallowyoutospreadyourinvestmentsacrossmanydifferentassetclasses,providingyouwitharangeofbenefitsincludingaccesstosomeoftheworld’sleadinginvestmentmanagers.
SpecialisedfundsWeofferspecialistequityandfixed-incomefundsprovidingyouwiththeopportunitytogainexposuretospecificmarkets.
StructurednotesStructurednotesdiversifyyourportfolioandhelpyoutoprotectyourcapital.TheyoffervaryingdegreesofexposuretounderlyingmarketssuchasFTSE100andS&P500.
Product minimum(s) may apply. Please remember that all investments carry risk. Investments can fall in value and you may get back less than you invested. When investments are denominated in currencies other than your own, their value in your home currency may rise or fall because of changes in exchange rates.
PlanningyourinvestmentsWhetheryou’relookingtoexplorespecificareasofinterestordiversifyandprotectyourinvestments,ourteamofexpertscanhelpyoudevelopaninvestmentplanthatmatchesyourgoalsandthelevelofriskyou’recomfortablewith.Thefollowingproductsandservicesareonlyavailabletoclientswhomaintainatleast£100,000withBarclaysInternationalBanking.
12|13
ServiceandsupportEnjoythefreedomandflexibilitytomanageyourmoneyindifferentcurrenciesandtimezones,fromalmostanywhereintheworld.
1Pleasecallusonourinternationaltollfreenumber+80080088885,replacingthe+withyourcountry’sexitcode.Ifdiallingfromamobile,chargesmaystillapply. 2Tollfreenumbersmaynotbeavailableinsomecountries.Pleaseusethealternativenumberprovided.Pleasenotechargeswillapplywhendiallingthealternativenumber,
checkwithyourlocalprovider.
Callsmayberecordedsothatwecanmonitorthequalityofourserviceandforsecuritypurposes.
GoonlineAvailabledayandnight,oursecureonlinebankingservicemeansyoucanmanageyourmoneywheneveryouwantto.Checkyourbalance,seeyourstatementsandcarryouttransactionsatatimethat’sconvenienttoyou.It’ssafe,secureandsimpletouse.
Visitusatbarclays.com/international
CallusOurdedicatedteamwillhelpyoumanageyouraccountsandansweranyquestionsyoumayhave.Weunderstandthatmakinganinternationalcalltoyourbankcanbeexpensivesowe’veintroducedatollfreenumber.
CallusandspeaktoaServiceExecutiveon+800 800 888851oralternativelycall+44 (0) 1624 6844442
BarclaysMobileBankingBarclaysMobileBankingisdesignedtohelpyoumanageyourmoneywhenyou’reonthemove.Checkyourbalance,transfermoneybetweenyourBarclayssterlingaccountsandmakepaymentsintheUK.BarclaysMobileBankingisavailabletoclientswithsmartphonesforsterlingaccounts.
barclays.com/international | +800 800 88885 | +44 (0) 1624 684444
Find out more today+800 800 88885* | +44 (0) 1624 684444** | barclays.com/internationalTo get this in Braille, large print or audio, call +800 800 88885* or +44 (0) 1624 684444**
*Pleasecallusonourinternationaltollfreenumber+80080088885,replacingthe+withyourcountry’sexitcode.Alternativelypleasecall+44(0)1624684444.Ifdiallingfromamobile,chargesmaystillapply.
**Tollfreenumbersmaynotbeavailableinsomecountries.Pleaseusethealternativenumberprovided.Pleasenotechargeswillapplywhendiallingthealternativenumber,checkwithyourlocalprovider.
Linesareopen24hoursaday,7daysaweekexcept25Decemberwhenthelinesareclosed.
Calls may be recorded so that we can monitor the quality of our service and for security purposes.
BarclaysofferswealthandinvestmentmanagementproductsandservicestoitsclientsthroughBarclaysBankPLCanditssubsidiarycompanies.BarclaysBankPLCisregisteredinEnglandandauthorisedbythePrudentialRegulationAuthorityandregulatedbytheFinancialConductAuthorityandthePrudentialRegulationAuthority.
RegisteredinEngland.RegisteredNo.1026167.Registeredoffice:1ChurchillPlace,LondonE145HP.
Itemref:IBIM4430_PLCCreated:03/17