Barclays Review 2026
This Barclays review 2026 covers rates, fees and our verdict.
Savings APY
3.65%
1-year CD
4.25%
FDIC insured
Yes — $250,000
- Savings: 3.65% APY, read 17 Sept 2026 from the published rate page.
- 1-year CD: 4.25% APY, read 17 Sept 2026 from the published rate page.
How the rate compares
Barclays was listed at 3.65% on savings when we last verified it on 17 Sept 2026, against an FDIC national average of 0.38% — 3.27 percentage points better, worth about $327 a year on a $10,000 balance.
National average: FDIC national rate, savings accounts, observed 17 Aug 2026 — FDIC · National Rates and Rate Caps. Treasury yields from FRED, latest observation shown above.
What the filings show
- Savings APY vs FDIC national average
- 3.65%
- Monthly maintenance fee
- —
- Minimum opening deposit
- Not published
- Total deposits (FDIC filing)
- Not published
- Deposit insurance
- FDIC insured
We do not assign a star rating. A score with no published formula is not evidence, so this page carries only figures we can point at a source for: FDIC filings, the CFPB complaint database and the bank’s own published rate page.
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Barclays FAQ
Is Barclays FDIC insured?
Yes. Barclays is an FDIC-insured institution, so deposits are protected up to $250,000 per depositor, per ownership category, in the unlikely event the bank fails.
What APY does Barclays pay on savings?
Barclays was listed at 3.65% on its savings product when we last verified it. Savings rates are variable, so confirm the live figure on the bank's own site before you open the account.
Does Barclays charge monthly fees?
See the fee row in the summary above. Where a monthly fee exists it can usually be waived by meeting a minimum balance or direct-deposit requirement — read the account's fee schedule before signing up.
How do I open an account with Barclays?
Applications are online and take about ten minutes. You will need your Social Security number, a government photo ID, your address and the details of an existing bank account to fund the first deposit.
Think Bigger Today keeps its editorial standards independent of commercial relationships. This review was written by our team using publicly available information, including regulatory filings and published rate sheets. Barclays did not review, approve or endorse it, and is not responsible for its accuracy. Companies that work with us commercially get no preferential coverage, scoring or placement. This page may link to our free matching service, for which we can be paid a referral fee — that fee never decides what we publish, and you may or may not be matched with Barclays. Figures can change without notice; always confirm the current terms with the provider. Nothing here is financial, legal or tax advice.
Source: FDIC BankFind; Federal Reserve H.15 via FRED. Latest observation 2026-09-15.
Source: Barclays published rate sheet. Savings rate read 17 Sept 2026.