Barclays Bank Reviews

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Edited by: Ashley Eneriz

About Barclays Bank

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Barclays Bank is the online U.S. banking division of Barclays—a global financial services provider based in London. It offers savings accounts, certificates of deposit (CDs) and personal loans, all with competitive yields and low fees. But it doesn’t offer checking accounts or money market accounts (MMAs).

Pros
  • Competitive interest rates
  • No minimum balance requirements
  • No monthly fees
  • Savings account has no monthly withdrawal limit
Cons
  • No checking accounts
  • No money market accounts
  • No ATM access

Barclays Bank Reviews

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    Page 2 Reviews 10 - 40
    Customer ServiceContract & TermsPricePunctuality & SpeedStaffTimelinessFollow-Through

    Reviewed March 25, 2026

    Today is wednesday. This began last Friday. I removed a signer from the account. I called the next day to request a document proving the change. I was told to wait 24 hours. I then called Saturday and again on Monday where I was told each time 24 hours. I called back Tuesday to find out that none of the representatives I spoke to put in the request for it properly. I again spoke with a manager, who again told me 24 hours. She went as far as telling me she would personally see to it.

    Well, today comes around and I’ve tried to reach them online and by phone, multiple times throughout the day and evening only to repeatedly hear their systems are down. With each call, I explained repeatedly how badly I needed this document. Each day without it is costing me money. It’s nearly been a week of me begging daily for this document that every other company supplied me with within 24 hours of the request. The people I spoke to were inadequately trained, didn’t show any care, had zero follow through. Difficult to get through to. Hard to understand often. And completely not helpful. I’ve never had this bad of an experience with another company.

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    Customer ServiceBillingLoan Process

    Reviewed March 23, 2026

    With a 850 FICO Score, I shouldn't have any problem getting approved for a credit card but with Barclays, it's like applying for a mortgage loan. They asked me to fax or send by mail not even email, my proof of ID, social security card, and utility bills. Unlike a recent application I submitted with Comenity Caesars rewards credit card, I was instantly approved online.

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    Customer ServiceStaff

    Reviewed March 12, 2026

    Gotta say worst customer service I have ever had .. Took three calls and still not resolved. Account representatives speak bad english and don't listen. Had to read the letter I got three times ..Wells Fargo kicked ass when I had questions ..

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    Customer ServicePricePunctuality & SpeedMaintenance

    Reviewed March 11, 2026

    I was ripped off by a group of criminals claiming to be a charity on 5th Ave. in NYC during the Xmas holiday. They said that my card did not work for a donation, so I gave them cash. They all scattered when I gave them cash and I later learned that my card was also charged. Barclays sided with the criminals and will not allow me to dispute the charge. Their customer service is the worst!

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    Customer Service

    Reviewed March 9, 2026

    Just awful.. All calls are through a foreign (barely english speaking) country. I tried linking a remote account and they froze internet access to check on my status.. It's been more than a week and they are unable to close the account because they are still checking?

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    Customer ServiceContract & TermsPricePunctuality & SpeedStaffBilling

    Reviewed March 5, 2026

    Had a charge on my account that was fraud. Notified Old Navy as well as Barclays. Was transferred to the fraud department and filed a complaint. Then continued calls and email about the payment being late. Explained that I filed a complaint and was told the old card would be canceled and a new card issued. Received the new card and the calls and emails continued about making a payment. Talked to a Barclays representative twice in January, twice in February and countless emails and every time I spoke with someone, they knew nothing about what I was talking about. Horrible customer service. I was so fed up with them I paid the amount owed plus late fees and canceled the account.

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    Customer ServiceTechPriceRefunds & PayoutsStaff

    Reviewed Feb. 28, 2026

    I strongly DO NOT RECOMMEND BANKING or having an FINANCIAL SERVICES with this company. I thought I was exaggerating about my report to CFPB about the company, but these people are NUTS. Unprofessional, Liars, Authoritarian, Bullying, Disrespectful, Discrimination, Abusive, pretty think of all bad way these people will treat you. I want to believe that only the president and his family work for this bank. Reason being, anyone can insult you and say mean things to you and still the company won't apologise nor take disciplinary action against the agent. Anyway I was charged numerous time from different vendors. I opened dispute cases and surprisingly the company closed the disputes without any expalaination. I attempted to reach out to the merchants who confirmed that I am entitled for full refund, however Barclays Bank, Valerie from the office of the president: she emailed me and said in her email:

    "I have completed my investigation into your recent concern(s) presented to Barclays Bank. Please see attached for my response as well as any supporting documentation, if applicable. Should you have any questions, please contact me at the phone number listed on the written response provided. Please note that I am unable to respond via email to any replies to this mailbox. Regards, Valerie Office of the President Barclays Bank Delaware Barclaycard www.barclaycardus.com" Trust me, you dont want me to share the email about how she performed her investigation. Not only these people are mean, but they have ZERO PROFESSIONAL MANNERS. Weird people for sure. I can't immagine the disaster within the company and the atmosphere that makes them behave as such.

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    Customer ServicePricePunctuality & SpeedBilling

    Reviewed Feb. 27, 2026

    Since Sept repetitive billing for a fraudulent charge of an elderly man with dementia she 85. Ignited me, POA, while adding late fees since Sept now almost March. He cannot operate a cell phone, computer, or any phone. The charge is not his as I have stated since Sept. I have never had such a stressful ongoing problem for a nonsense issue. Barclays is not on the side of their customer and they have failed to provide, merchant, IP Address as requested. I have reported Barclays to Consumer Fraud in Washington, DC.

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    Customer ServiceStaffCommunicationResolution

    Reviewed Feb. 26, 2026

    My account was recently closed after I paired it full, I was not previously notified and after I called they didn’t care or showed a solution. I’m very disappointed at the way they handled the situation and their poor communication and customer service. I would never do business or open another card with them.

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    CoverageBillingTransparency

    Reviewed Feb. 25, 2026

    Barclays declined my Frontier Airlines credit card application based on a bankruptcy from 16 years ago. Sixteen years. I currently maintain an 815 FICO score and earn over $300,000 annually. My credit profile reflects years of flawless payment history, low utilization, and exemplary financial management. Yet Barclays chose to ignore all present credit data. Their letter explicitly states that no credit bureau report was used in the decision — meaning they did not evaluate my current creditworthiness at all. The denial was based solely on internal historical records from over a decade and a half ago. This is not underwriting. This is not risk assessment. This is institutionalized permanent punishment. An 815 FICO score is not theoretical — it represents statistically low risk.

    For Barclays to disregard that entirely suggests either: An internal blacklist policy that overrides objective credit scoring, or An underwriting model so antiquated it ignores modern risk metrics altogether. Neither scenario reflects well on a global financial institution. If Barclays maintains a policy of permanently penalizing consumers — regardless of full rehabilitation and superior credit performance — that raises serious questions about fairness, transparency, and compliance with the spirit of modern credit evaluation standards.

    Consumers deserve to know whether they are being evaluated on merit or on indefinite internal stigma. I will be escalating this matter through executive channels and filing a formal complaint to ensure clarity on Barclays’ underwriting standards. Financial institutions should reward responsibility — not ignore it. Deeply disappointing and shockingly outdated. Consumer beware!

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    Sales & MarketingPunctuality & SpeedResolution

    Reviewed Feb. 18, 2026

    I recently applied for and received the Barclays Carnival Mastercard with the perk of 30,000 reward points after spending $1,000. I spent $1,000 in the first month but Barclays is now claiming their is a glitch in their reward system and they are delayed in rewarding the 30,000 rewards. Apparently, Barclays has used this same tactic since last January, but continue to advertise the feature heavily. I am waiting on escalation to a manager but I believe this to be a bait and switch scam by Barclays.

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    Customer ServicePunctuality & SpeedRefunds & PayoutsBilling

    Reviewed Feb. 18, 2026

    I made a payment on my Old Navy credit card (held by Barclay). I paid the credit card off. Over a week later I started getting text messages that my payment was returned for NSF. I contacted them and was told they were being sent in error and disregard them. They stopped, I went to Old Navy and my card was declined. I paid for my stuff and called the number when I got to my card. It was saying I still owed the payment. I spoke with corporate and she was going to investigate it, she said it will take a couple weeks. I never heard back, I called a week ago and was told a supervisor would call in 24 to 48 hours, no call.

    I filed a BBB complaint and they won't answer it. I will pay my card off but all this time they are playing around they are adding late fees. I called my bank and it wasn't declined for insufficient funds, Barclay didn't put the first 3 digits of my account number in and that is why it was denied. So this is 100% their fault and they are ruining my credit. It went down 31 points from them.

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    Rates

    Reviewed Feb. 15, 2026

    I would give a zero star If allowed. This company is terrible and does not know how to treat their loyal customers. Interests way too high. Avoid using them if you could. I do not know why Hawaiian Airlines uses them but If I can chat with someone from there I will definitely warn them.

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    Customer ServicePunctuality & SpeedBilling

    Reviewed Feb. 9, 2026

    It's really 0 stars. I am almost 63 years old was unable to do my autopay online. They said they couldn't set it up for me as I had autopay set up before Barclay bought it. I had to pay a balance with late fees and wait 24 to 48 hours online to sign up myself. So I just called and let them know I'm a senior and unable to do it myself. They set it up this time. Why the ** couldn't They do it when they bought my card out. They have my banking information. This isn't the only card this has happened with. This is ** theft. I will talk to my congressman to have him relay my concerns about this credit cards theft as I see it. Ripping off seniors. Shame on you.

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    Customer ServiceCoveragePriceBilling

    Reviewed Feb. 3, 2026

    My wife had a 1.00 charge on her credit card so she called Barclays to report it that it was not her and she still had her credit card on her, she asked them to stop her card and issue a new one instead they stopped our account on both our cards mine has a different card number, for 3 months now they said they would fix it within 30 days, now the bill we still had on the credit card has showed up on our credit report and we don't have access to even pay the bill. FIND ANOTHER CREDIT CARD COMPANY. THIS ONE IS A JOKE!!!

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    Punctuality & SpeedBilling

    Reviewed Jan. 31, 2026

    This is one of the worst companies to get credit with. I have never been late or missed a payment and they continue to reduce my limit. This hurts my credit like I am not paying cards. Stay away from these people. They once lowered my limit so I was over the limit on the card. Horrible people

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    Customer ServicePunctuality & SpeedRefunds & PayoutsBillingTimeliness

    Reviewed Jan. 24, 2026

    Barclay's is the worst credit card issuer EVER! This is the third & final time that I will have this frustration with them. Two years ago I paid my $3,200 AA Aviator Barclay's card in full only to have it reduced to a $1,000 limit the next day! Then last year I had my Carnival Cruise barclay's card reduced from $4,500 to $3,200 when I only had used $2,700 of the $4,500. In both cases they claimed that it was based on other credit card usage even though I have never been late or 100% maxed out on any of my credit cards, including theirs!

    However, today takes the cake. I paid my $3,200 balance in full last night by making a $3,160 payment. I look today & the payment is on hold. I called & they tell me that the payment is on hold until Jan. 30th, seven days from the actual payment, to clear it. They also tell me that my $3,200 credit limit has inexplicably been reduced to a $250 credit limit! This is beyond ridiculous! Once I see that the Funds for both cards have ben withdrawn from my Bank account & once this hold has been removed, then I AM CANCELLING BOTH OF THESE RIDICULOUSLY INEPT CARDS IMMEDIATELY! PLEASE STAY AWAY FROM BARCLAY'S ANYTHING!!! They could offer me 1,000,000 airline Miles for getting a new card again with them & I would Most definitely tell them to NO!!!

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    Billing

    Reviewed Jan. 20, 2026

    I made a reservation through Priceline, but when I arrived, the hotel had no record of my booking and had not received any payment. I contacted Priceline multiple times before and during my stay, but they failed to resolve the issue. In the end, I was forced to pay again directly to the hotel at checkout. To make matters worse, Barclays denied my dispute without contacting me and without providing any supporting documentation from Priceline. This has been extremely frustrating and disappointing.

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    Punctuality & SpeedBilling

    Reviewed Jan. 17, 2026

    I did not choose this bank; they purchased the credit card product of another bank that I was using. The level of incompetency at accomplishing what should be simple technical issues is beyond belief. They purchased GM Rewards card from Marcus bank and apparently it was too difficult to carry over existing auto pay settings, so now am hit with 2 months of late payment. I've never had a late payment with anyone, that's what autopay is designed for except Barclay found it too difficult to carry it over when they decided to purchase this product from Marcus bank.

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    Verified purchase
    Customer ServiceRefunds & PayoutsStaffBillingTimeliness

    Reviewed Jan. 16, 2026

    Barclays doesn’t back up their customers with chargebacks. I canceled an event the next day with a company and sent an email and promised a refund from the company within 3-5 days and never received it. I contacted Barclay and filed a dispute, and Barclay declined my chargeback. The manager of Barclay was not professional or friendly. I will seek a different credit card.

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    Customer ServicePrice

    Reviewed Jan. 16, 2026

    First the good news. My account hacked twice in 3 months and Barclays security fixed within weeks at no cost to me. Perfect. Now the pathetic. I wanted the info from the hack removed from my account. Called multiple times to customer service and received nothing but false promises. A total joke and not funny. After the last attempt at fixing with no results, I cancelled my account.

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    Customer ServiceSales & MarketingPriceRefunds & PayoutsStaffHonesty & Transparency

    Reviewed Jan. 6, 2026

    I’ve had a card with Barclays for 10 years with no issues. I was the victim of fraud and called them immediately. They don’t care. They basically accused me of lying. I asked for them to help me multiple times to get the charges reversed and I’ll be stuck paying for them. They wouldn’t help me. Ironically they advertise that their customers' accounts are safe. I’ll be closing my account.

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    PricePunctuality & Speed

    Reviewed Jan. 6, 2026

    They play with the your credit limit as if it was a game. I have never been late. Always kept my limits low. Most of the time I paid in full. I went from 7400 to 4100 to 1500. While all my others cards increased. Not that I am desperate for their credit line. It's pointless. Not worth allowing.

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    Billing

    Reviewed Dec. 31, 2025

    Barclays purchased GM Mastercards previously issued by Goldman Sachs. I've had that card, in perfect standing, for over 10 years and never once had an issue with GS. These people immediately reduced my credit limit and no longer issue immediate credit with online payments, just another way they use your money. It looks like these nimrods are based out of the UK which may explain their actions. Regardless, I will choose to not use that card except for some chump purchases just to keep it open.

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    PriceRefunds & PayoutsBillingRates

    Reviewed Dec. 30, 2025

    After having a co-branded Barclays and American Airlines credit card for 14 years, I'm delighted to cancel my card. I accidentally missed paying my total bill in October for the first time ever. But I paid in full in November, including past charges, current charges and interest. Now I've learned I have to pay residual interest for 3 months! Worse, the Barclays manager didn't know how to pronounce "residual" and didn't know how the residual amount was calculated! It's a company secret! So she can't tell me what to expect to pay!

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    Customer ServiceStaff

    Reviewed Dec. 30, 2025

    I paid off my GM card over a year ago and closed it out, All of a sudden I had a Barclays account and owing them a crazy amount of money. I talked to a manager in regards to this problem, so she gave me a $600.00 credit. I told her, "I do not owe you anything." They dropped my score down and available credit. I was on the phone with them for 2 hours talking to everyone in the Philippines. Nobody understands what's going on. GM is out of the picture completely. I get calls starting at 7 am until 930 pm. This goes on for hours. BEWARE!!

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    Customer ServiceCoverageBillingLoan Process

    Reviewed Dec. 29, 2025

    I got my Barclay bank GM. Credit card last year. Everything was going great. I fixed my car and I did a few other things with it. I've been paying it off on time every month and never make the minimum payment. Always make more than the minimum payment to pay it off. But on the Day After Christmas, I receive a letter Stating that they are lowering my available credit down and the only reason they could come up with was an old payment to progressive auto insurance from like 10 years ago and a recent loan that I got out to get dental work, they lowered my credit and ruined my life because now with my credit having a hit on it.

    The way that they did it It is taking me out of the running to get the new house that I wanted. I called Barclay to resolve the issue and Owen didn't give a ** and in the nicest way possible, told me that he didn't give a ** that he was just doing what he had to do. Because he wasn't worried about me, he was just worried about the account. So the next time you guys wanna get a card from this location? Second, guessing it because in the end, the only person that gets put out to dry is you.

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    StaffBillingRates

    Reviewed Dec. 27, 2025

    I had to file bankruptcy in 2012 due to a divorce and a layoff at my job. I was fortunate that Barclays gave me a chance to re-establish my credit and begin to build it back up again. However, now that my credit sore is in the 800's they keep trying to lower my credit limit which hurts my credit score. Twice this year they have cut my credit limit in half due to the fact that I try to only use my credit cards when travelling and for emergencies. This past time they did a hard inquiry and it lowered my credit score by 2 points. I have had it with them. The next time they do this I am going to let them and if they want to cancel my account so be it! I am an excellent credit risk. They are not making any money off of me and they are not going to. I truly value my credit and pay off my cards every month. I do use my cards but only for small purchases which they do not get any interest for. I am done with this card company.

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    Customer ServiceStaff

    Reviewed Dec. 25, 2025

    Barclays has poor customer service. Not willing to help customers. They are not willing to help their customer. You try to work with the bank. They are not willing to help. Comes down to it. It’s the bank's way or nothing.

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    Customer ServiceSales & MarketingRefunds & PayoutsStaffBilling

    Reviewed Dec. 23, 2025

    Barclays has the worst customer service when it comes to their credit cards. You always wind up speaking to a foreign help where the staff can barely speak or understand English. They treat you totally indifferent and don’t really seem to care about understanding and helping you with your problem. If you ask to speak to a manager there is never one available. They tell you one will call you back. If and when they do you wouldn’t know it it’s them because the number doesn’t show up as Barclays. If you don’t pick up thinking is spam, they will not bother to call you back. I’ve had many problems with them. I have several accounts with them and will be canceling them all!

    The latest is a problem with a purchase a made in Mexico. It was for $1400.00. It clearly states it on the receipt. The merchant made a mistake with the pesos-dollar conversion and I got billed $1456.00. Barclays will not refund me the $56.00. My experience has been that they never look after and protect the consumer.

    Be smart and don’t do business with them. Go with a bank that respects an appreciates your business!!!

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    Barclays Bank Company Information

    Company Name:
    Barclays Bank
    Formerly Named:
    Juniper Financial
    State/Province:
    DE
    Country:
    United States
    Website:
    www.banking.barclaysus.com