Just avoid Barclays, simple. Trying to communicate with Barclays over the last sixth months as been torture. I've spent at least 60 hours wasting time with them. Utter nightmare. Emails, phone calls, chats, messages and complaints - all useless, all unable to help of giving false information. Meanwhile robots send you threatening paper letters for no reason, say they will close your account out of the blue, make transaction impossible, make it impossible to update personal info, send you passcodes that don't work, send you emails that don't arrive, give you forms that can't be filled in, get passed to departments that leave you hanging then cut you off, start chats and then vanish, the list goes on and on, and there is NO ONE to discuss it with. Barclays do not deserve your money - put it somewhere else. Seriously, you have been warned. I have been a loyal customer for 30 years but now they just make me feel ill. They are a brick wall. How the mighty have fallen. You don't want to go down with this ship.