Certificates of Deposit (International CD)
Flexible capital savings options with Certificates of Deposit from Barclays Wealth International
Certificates of Deposit, often referred to as CDs, are Fixed Term Deposits that are common in the United States. Outside the US, these Term Deposits are less widely known, but in the UK the nearest equivalent are Treasury Deposits.
If you want a fixed rate of interest on your savings and don't mind your money being tied up for at least one month, a Treasury Deposit from Barclays Wealth International may be a good option. You can choose from a wide range of currencies and, once the deposit is open, your interest rate remains fixed for the term of the deposit.
- Minimum deposit of £10,000 for term deposits of six months or more
- Shorter terms available for deposits of £50,000 or more
- Attractive interest rates linked to balance and term
- Available in sterling, US dollars, euros and other major currencies
Fixed term deposits are particularly attractive if you wish to invest substantial sums for fixed periods. Available for any period ranging from 1 week (7 days) to 5 years, they can be tailored to suit your cash flow circumstances and offer guaranteed interest rates1.
Capital security
With Treasury Bonds, your capital is secure provided you leave it alone for the duration of the term. There is usually a penalty for withdrawing money prior to the maturity date.
Fixed rate interest
The rates of interest with International CDs or Treasury Deposits will of course vary according to the amount of your deposit and the duration of the term. The interest rate will however remain fixed for the term of the deposit.
For a guide to current rates, call us on +44 (0)141 352 3899† or arrange for us to call you back:
CD maturity periods
By taking advantage of attractive fixed rates, you can be certain of your returns at the end of the term. You may want to arrange that the term of your account ends at a specific date, for example a house completion or major foreign exchange transaction.
Time deposit options
The shortest term available for a Treasury Deposit is just 1 week (7 days), for which the minimum deposit is £100,000. There is no maximum deposit. In practice, the maximum duration for a Treasury Deposit is five years.
Global Beta - for long-term investments
Global Beta Portfolios2 from Barclays Wealth offers a range of globally diversified portfolios that invest in exchange traded funds, or ETFs.
ETFs are index-tracking investment funds that are traded on global stock exchanges. They simply track an index, so returns are not reliant on the performance of an active fund manager. Each portfolio holds a number of different ETFs so that risk and return are evenly balanced.
Key features of Global Beta include:
- Tracks an index for enhanced transparency
- Available in five different portfolios, each one designed to accurately match varying requirements for risk/reward
- Available in euros, sterling and US dollars
- Minimum investment of £25,000 (or currency equivalent)
These portfolios should be held for the medium to long term and their values can fall as well as rise.
Wealth structuring
Leverage our wealth and asset management expertise to provide financial protection for your family and estate, both now and in the future.
Find out more about structured wealth management with Barclays Wealth.
Offshore investment
Find out about investing offshore, broaden your investment portfolio and discover opportunities that may simply not be available in your home country .
Find out more about offshore investing with Barclays Wealth International.
Investment opportunities
We can help you think beyond property when it comes to investing overseas. Our investment professionsals are specialists in a range of asset classes and markets.
Find out more about investing with Barclays Wealth International.
1 Please note: The value of your investment and the income it generates can go down as well as up and you may not get back the original amount of your investment. Your returns may also be affected by exchange rate fluctuations.
2 As a regulated investment product, Global Beta portfolios may not be suitable for everyone. They closely track the performance of a variety of indices and, as such, their value can go down as well as up, and you may get back less than you invested. Funds should be seen as a medium to long-term investment of a minimum of 5 years. This product is only available to residents in these locations: United Kingdom, Jersey, Guernsey, the Isle of Man, Gibraltar, Luxembourg, Spain and France.
† Lines are open 7am to 8pm weekdays and 8am to 5pm weekends and UK bank holidays local time. Call charges may vary. Please check with your local telecoms provider. Calls may be recorded for training and security purposes.
The products and services described on this page are provided by the following companies, which are part of Barclays Wealth: Barclays Bank PLC in England and Wales, Barclays Private Clients International (Gibraltar) Limited in Gibraltar and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further information on these companies and Barclays Wealth please read the Important Information.
Products and services on this site may not be available in certain jurisdictions. In particular, these products and services are not being offered in Japan or the United States or to US residents. For full details of exclusions and disclaimers please see the Important Information before proceeding. Each Barclays Wealth company reserves the right to make a final determination on whether or not you are eligible for any particular product or service.
