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Barclays US review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Barclays US runs a tiered easy-access savings account that pays 3.5% to 3.65% with no minimum deposit of $0 and no monthly fee. It suits savers who want US dollar savings, online access around the clock and an FDIC-insured balance, though the variable rate can move.

Key facts

Best for
US dollar savers who want a variable rate with no minimum deposit and no monthly fee.
Headline rate
3.5% to 3.65%↗
Rate type
Variable↗
Minimum deposit
$0↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
Online access 24/7; withdrawals and transfers any time subject to funds availability; phone 888-710-8756↗
Monthly fee
$0↗
Account kind
Easy access↗
Legal entity
Barclays Bank Delaware↗
Headquarters
United States↗
Founded
2000↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
barclaysus.com

Loans

Arrangement fee
0 USD↗
Credit check
Soft prequal↗
Funding time
Funds received fast↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Exclusive, invitation-only offer↗
Origination fee (%)
0%↗
Loan types
Personal↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
Xyoutube.comfacebook.cominstagram.com

Pros and cons

Pros

  • No monthly fee on the account: $0
  • No minimum deposit needed to open: $0
  • Deposits held with a US bank carry FDIC up to USD 250,000
  • Support reaches phone, email and help centre

Cons

  • The rate is variable, so the headline figure of 3.5% to 3.65% can fall
  • The personal loan offer runs as Exclusive, invitation-only offer
  • Help runs on phone, email and help centre only, with no live chat listed
Barclays US

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Anyone banking in US dollars who wants a variable savings rate
  • Savers who prefer online access and phone support in the same account
  • People who want their balance held by an FDIC insured US bank

Who should look elsewhere

  • Savers chasing the highest rate in the wider list, where Wise pays 3.29% and bunq pays 3.01%
  • Borrowers who want an open market application, since the loan offer is invitation only
  • Anyone wanting a fixed term, since the account is easy access with a variable rate

How Barclays US compares

Where Barclays US is available

Available
United States
Licence in United States
FDIC (FDIC cert 57203), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What interest does Barclays US pay on this account?+

The headline rate is 3.5% to 3.65%, and the account pays a variable rate. That means the figure is not fixed for the life of the balance, so what a saver earns can move with the bank's pricing.

Is there a minimum deposit or monthly fee?+

The minimum deposit is $0 and the monthly fee is $0. With no floor on the opening balance and no regular charge, the account suits people starting with a small amount and topping it up over time.

What kind of account is it?+

It is an easy access account, so money can move in and out without a fixed term. The model is listed as no monthly fee, which lines up with holding a balance rather than locking it away.

Is my money protected?+

Deposits sit with Barclays Bank Delaware, which holds FDIC cert 57203, and deposit protection runs to FDIC up to USD 250,000. The banking entity dates from 2000 and is headquartered in the United States, so the cover is the US scheme rather than a European one.

How do I get in touch if something goes wrong?+

Support runs on phone, email and help centre, which lists phone, email and a help centre. Online access runs around the clock, and withdrawals and transfers can be made at any time subject to funds availability.

Can I borrow from the same brand?+

Yes, personal loans are offered as personal with a soft prequal approach and an origination charge of 0 USD. Early repayment comes with no charge, and Funds received fast describes how quickly money reaches the account. The offer comes as Exclusive, invitation-only offer, so access is not open to all.

Why might someone choose another provider?+

If a higher rate matters most, Wise pays 3.29% and bunq pays 3.01%, both close to the 3.5% to 3.65% range here. Finteres quotes 0% to 36%, a range whose lower end sits below what this account pays.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Barclays US

Barclays US

US dollar savers who want a variable rate with no minimum deposit and no monthly fee.

9.2/10See alternatives