Barclays open account. Maximum Open Account Limit: 3 open accounts per customer.

Barclays open account. Nov 14, 2023 · Trying to do the current Barclays switching offer. uk - open a UK business bank account; Starling Bank - business banking fees Barclays Business account charges. Aug 29, 2024 · The Barclays Online Savings Account is a solid free savings account and is a worthwhile choice if you'd like to open an account with Barclays and a competitive interest rate. Barclays Savings Interest Rate No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. New Barclays Business customers will recieve 12 months of free business banking. APY up to 4. Switch your current account to us in seven days with the Current Account Switch Service Guarantee. Oct 9, 2023 · Mail a letter to Barclays, PO Box 70378, Philadelphia, PA 19176. Current accounts. You can make almost any of our current accounts into a joint account, either by opening a new account or by adding someone to your existing one. Here’s a step-by-step guide to help you open a bank account with Barclays UK: Research Account Options: Visit the Barclays UK website or visit a local branch to explore the different types of accounts they offer. If you’re saving for the long term, you could explore your investment options with us. So make sure to watc If you’re a Barclays Blue Rewards member or Premier Banking customer, you can open our easy-access Rainy Day Saver and Blue Rewards Saver accounts. lendingstandardsboard. Certified Document upload option. And you also have the option of depositing and withdrawing cash at one of 70,000 fee-free Nov 1, 2024 · Barclays’ online savings account is a high-yield savings account, earning a competitive 4. (Return to reference) Businesses with existing Barclays business current accounts aren't eligible for this offer. Some cookies are essential to provide our services to you. We won't be able to switch any individual future-dated payments. Further details can be found at www. 05% on investments above £200,000. Please see the ‘How to apply’ section below for more details. You can open this account in the app if you’re 18 years old and in full-time higher education. Open an account that rewards you for banking with us, and gives you instant access to an app that helps you keep your money under control. Barclays business account charges. Savings accounts. Apply for a flexible and rewarding bank account with no monthly fee and optional overdraft. Jun 30, 2024 · A Barclays business account may be unavailable at this time anyway. On Barclays' Secure Website. This short video will show you how to open a Smart Investor account. The interest rate you’ll receive for each month depends on whether you’ve made any withdrawals from your Reward Saver account since you opened it (in the case of the first month) or since interest was last paid into the account. Founded in 1690, it has a long history but only began Barclays Blue Rewards members and Premier Banking customers can open our easy-access Rainy Day Saver and Blue Rewards Saver accounts too. May 16, 2023 · Can a US citizen open a bank account in the UK? Yes. In order to enjoy the benefits of Premier Banking you must either have an annual gross income of £75,000 paid into a Barclays current account in Jersey, Guernsey or the Isle of Man or have £100,000 saved in Jersey, Guernsey or the Isle of Man or £100,000 invested with Barclays through our Jersey branch. In the app, visit the products page and select the current accounts icon. 6. Then, let us know which of those you’d like us to move to your Barclays account and we’ll switch them for you. Any additional services you’d like to use may have their own fees. There are no monthly service charges either, so to opening of saving/current/term deposit account and operation thereof through various channels including but not limited to Automated Teller Machine (ATM), debit card, internet, banking, phone banking, door step banking (collectively referred to as “banking services”) and such other banking services as made available by us from time to Make and receive foreign payments with ease with the Barclays Foreign currency account. customers. The Barclays Online Savings Account offers industry-high interest rates (APYs) and secure, 24/7 access to your funds. No charge to open the account and a simple annual customer account fee of 0. An Executor account allows the estate’s executors or administrators to gather all the deceased’s finances in one place. Minimum Deposit to Open: No minimum deposit to open. Businesses with existing Barclays business current accounts aren't eligible for this offer. Nov 1, 2024 · Barclays US, the online bank subsidiary of London-based bank Barclays, focuses its offerings on savings accounts with competitive yields, which can be ideal if you’re comfortable with an online Barclays uses cookies on this website. You'll find your tariff details below. It can be opened by 2 people and have 4 additional cardholders, which could be useful if you want to give your kids a debit card. Where to open an account Barclays Online Banking offers high yield savings accounts and CDs with no minimum balance to open. These banks have been in business for a long time and are very safe. Depending on nature of application and set of documents certified. Available in a wide range of currencies. Forget about banker's hours Access your account online 24/7, or call us 8:00 am – 8:00 pm ET seven days a week at 888-710-8756. Jun 14, 2024 · Whether you're looking to open a high-yield online savings account or a short- or long-term CD, Barclays Bank Delaware offers multiple options, all with no minimum balances to open an account and no monthly maintenance fees. £0: £0 No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. To access Barclays Avios Rewards in the Barclays App, you need to be over 18. So whether it is drawing cheques, withdrawing cash or booking term deposits, Barclays provides you a convenient way to access your account. A minimum of £100,000 (or currency equivalent) 1, 2 No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. Oct 10, 2024 · Business account for turnover of between £400,000 and £6. Registered in England. You need to be 18 or over to access these products or services using the app. . You cannot opt-out of our First Party Strictly Necessary Cookies as they are used for important website functions such as prompting the cookie banner, remembering your settings, logging into your account, or to redirect you when you log out. Oct 16, 2024 · Opening a Barclays International Bank account is straightforward and you’ll have a choice of three major currencies – sterling, euros, or US dollars. See how here. With an initial deposit minimum of just $100 to open an account and no minimum balance required after, this is an easy high-yield savings account to open. To open a bank account with Barclays as an international student, you need a UK biometric residence permit. Does Barclays offer premium accounts? Yes, Barclays offers a premier account. Oct 29, 2024 · Barclays Bank Saving Account Rates; Account Name Balance for Highest APY APY Range Monthly Fee; Barclays Online Savings Account: $0. To see what your estimated earning potential is for different variations, just plug in a deposit amount and term into the CD calculator. These bank accounts aren’t eligible for Barclays Blue Rewards: Barclays Basic current accounts, BarclayPlus accounts, young person’s accounts, Barclays business accounts, non-personal Barclays wealth accounts, Premier Current Accounts and foreign currency accounts. For this example, we'll show you how to open an Investment ISA through the Interest is calculated daily using your statement balance and paid monthly on the first working day of the month. Open a basic bank account online. Oct 28, 2024 · Does Barclays offer joint accounts? Yes, you can open a joint account with Barclays. Barclays Business account charges. You also can't add someone to a Cash account if they already have a TSB account. 50%, and balances greater than Opening a Barclays International Bank account is straightforward and you’ll have a choice of three major currencies – sterling, euros, or US dollars. To register for Barclays Online Banking, you’ll need to be 16 or over, live in the UK and have a Barclays current or savings account with a bank card. A minimum of £100,000 (or currency equivalent) 1, 2 Oct 4, 2024 · About Barclays Bank Barclays is a large international bank based in London that offers online savings accounts and CDs to U. 20% APY. For example, you currently can't open a checking account with Barclays. It has no monthly maintenance fee, no minimum balance to open, and pays interest at a competitive 4. Proof of address. c. Barclays Savings Assistant We'll help you run the numbers and meet your goals Start saving for the things that matter to you, like a family vacation, or a down payment on that dream house. 50 per month. Registered Office: 1 Churchill Place, London E14 5HP. 00 per account. The quickest way to open a new bank account is using our app. Additional details and instructions regarding the verification process and the actions you must take to verify receipt will be provided to you electronically after Account opening. There are no monthly account fees for the first 12 months, after that you’ll pay £8. Legal or Regulatory Restrictions : There may be legal or regulatory restrictions in place that prevent certain individuals or entities from opening a Nov 6, 2023 · Requirements for opening a bank account with Barclays? Most UK banks have the same or similar requirements for new customers, although they can vary depending on the account. CDU Application Guide [PDF, 1MB]. Only the estate’s executors or administrators can open an Executor account – they’ll need to book an appointment all together at one of our branches. Barclays Online Banking offers high yield savings accounts and CDs with no minimum balance to open. If we accept your application, you can start using your account in the app straight away. Free digital banking for 12 months. Or you can open one through the Barclays website if you don't already have an account. S. Who Is a Barclays Savings Account Good for? Sep 5, 2023 · Small Business - opening a business bank account with bad credit; Tide - credit checks; BVA BDRC - business banking; Starling Bank - business account; Metro Bank - business current account; Santander - business current account; Barclays - business current account; Great. 15,00,000. Barclays offers personal banking services including accounts, mortgages, insurance, loans, and credit cards with secure online banking options. Rates may change at any time without prior notice before the account is opened. No monthly account fees for the first 12 months 2, then £8. You can open an account through the Barclays Mobile Banking app, if you already have a current account with us. Other cookies help us to analyse how you use the site, so we can improve your experience on our site. banking operation, which is online-only, offers solid annual percentage yields on its savings accounts and Are you interested in opening a Barclays bank account from the comfort of your own home? In this step-by-step guide, we'll walk you through the process of op Bank accounts. Keep at least $25,000 on your savings balance for 120 consecutive days. Opening a graduate account? If you want to open a graduate account, you'll also need to bring proof that you've completed your studies - such as your degree certificate. Return to reference It’s ideal for birthday or Christmas money, and you only need £1 to open an account; When you turn 16 we’ll change your account to our Young Persons Account – we’ll let you know before we make this change. Learn more Open account. If you're moving from another UK bank, it'll also help if you can provide statements from the last 6 months – we'll look to match any existing features such as overdraft limits. Learn more. It says the account has to be opened in the app. Barclays Tiered Savings Open Account; Annual Percentage Yields (APY) Account Highlight: The more you save, the more you earn. Barclays doesn’t mention how long it will take to receive a reply, but at least one week is typical. You can open a UK bank account as a foreigner in a few different ways. How long does it take for an ACH transfer from my Barclays account to post to my external account? ACH transfers to your external account typically post 2 to 3 business days after they are processed. You can open this ISA with £0 if it’s being funded by an ISA Transfer-in (ISA Transfer-in requests must be received within 30 calendar days from the date of account opening), otherwise the Clients Premium Accounts shouldn't be used as office accounts or for your own money. Some customers may be required to… The Barclays app and Direct Call will only be available for Community account customers who elect to manage transactions by one authorised person. Find out more about a NatWest Select bank account. Aug 12, 2024 · Together with my brokerage analyst colleagues, I have thoroughly tested the services of Barclays by opening a real-money account. Should the documentation / information you provide as part of the account opening application process not be sufficient, the timeframe in which it takes to open your account may be extended. Feb 20, 2014 · Debbie Irwin narrates this explainer video for Barclays regarding opening an account in minutes. Open your account in euros, US Explore job opportunities at Barclays India and apply for roles in various sectors and levels. 50 per month after that. However, withdrawal penalties can apply if you need access to the money you deposited before your CD reaches maturity. 10%. In order to maintain an account, funding must occur within 14 days of account opening. If you’re a UK resident, opening a bank account in Britain is This video guides you in quick easy steps to open a Barclays Bank account online by going to their official website and applying for it. Here’s what you need to know about account opening if you want to start investing with Barclays: Account opening at Barclays is fully online and takes >3 days. You can also apply on our website. 18+ Full time student; Living in the UK for more than 3 years; Use the account as the main account; Studying for an undergraduate degree, a postgraduate degree, or a Higher Feb 1, 2023 · To open a Start-up Business Account, you must be an existing Barclays customer (due to a post-pandemic surge in demand) and operate either as a sole trader or a one-person limited company. In addition, to open the start-up and established business accounts, applicants must also: No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. The only accounts we have that can't be joint are our Under 19s, Student, and Graduate accounts. A minimum of £100,000 (or currency equivalent) 1, 2 Opening a Barclays International Bank account is straightforward and you’ll have a choice of three major currencies – sterling, euros, or US dollars. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. When you open an Investment Account you’ll gain access to our Investment Saver service. 3 days ago · Opening a current account is an easy process which usually plays out in the following way: You complete an application form. Important information. Learn More Social Security number or Taxpayer Identification number. Accounting details. Our most popular account for day-to-day banking. External bank routing and account number Nov 8, 2024 · But, unlike Barclays, you can open a 360 Performance Savings account online or at a Capital One location. ** $200 Bonus Offer: To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible), open an account 11/7/2024 through 1/6/2025, fund your new Tiered Savings account with at least $25,000 within the first 30 days of opening the account, and The test deposits will be transferred to your external account within approximately 2 to 3 business days of Account opening. I have installed the app and the only option I have is to 'Register for the app'. A minimum of £100,000 (or currency equivalent) 1, 2 There’s a £12 monthly fee and you have to opt out of Barclays Blue Rewards and go paperless for all your accounts and services with us. com Whether you already bank with us or you're new to Barclays, here's how to open a savings or current account from home – and discover Barclays Blue Rewards. You can open a joint current account online with us or in any one of our branches. In addition, to open the start-up and established business accounts, applicants must also: Why Barclays. If you have any questions, feel free to contact the bank. There are multiple tiers with varying monthly fees. Compare Barclays Online Savings to other accounts. Balances less than $250,000 earn 4. Features & Benefits* Free Payable at Par cheque book; Free monthly account statement; Free Demand Drafts payable at Barclays locations; Local cheque collections and payments. 5. See site for details. If you’d like help applying in the app you can book a video appointment. Read the Barclays Blue Rewards terms and conditions [PDF, 181kb] and eligibility information. Barclays Online CDs are available in a range of terms and interest rates that fit your savings goals. Open an account today. To open a current account at Barclays, you’ll need to be:¹. What are your bank working days? opening times here. Barclays offers online banking services for account access and management. Everyday banking for not-for-profit organisations. 9740322. Like NatWest, Barclays used to offer a specific account for international students in the UK. You can open online or in branch. You can open a current account by applying in the Barclays app 1 or Online Banking. Consider factors Instant access savings account - withdraw money whenever you need it; Choice of currency - sterling, US Dollars or euros; The minimum balance is £1, US$1 or €1; the maximum balance is £25m, US$40m or €10m; You can have more than one International Business Reserve Account provided the total balances do not exceed £25m, US$40m or €10m Oct 11, 2024 · Open account before you arrive in the UK: Yes: Yes: Yes: Yes: Open an account online: Yes: Yes: Yes: Yes: Account opening fee: No fee: No fee: No fee: No fee: Fall below fee: No fee: No fee: No fee: No fee: Maintenance fee: No monthly or annual fees: Standard plan is 0$/month. Over 18 years old; A UK resident. Both of these accounts are FDIC-insured, meaning each account is protected up to $250,000. To update your Account Alert preferences in the Barclays US App, select an account and tap the hamburger menu. The steps to opening a Barclays business account are as follows: You'll have to provide some background about yourself and your company, including: Your yearly revenue. Then scroll down, select Manage alerts (or tap the Profile icon at the bottom and select Manage alerts) and choose the alert you want to add or edit. Oct 28, 2024 · If you open the account, you’ll be covered for $250,000 for individual bank accounts or $500,000 for joint accounts. FAQs No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. Nov 1, 2024 · Open Account for Barclays Tiered Savings. Please select 'Barclays Business Account charges' at the bottom of this section to read your tariff document, which contains a full list of fees and charges. A minimum of £100,000 (or currency equivalent) 1, 2 If you already bank with us, you can open your account in the Barclays app 1 or Online Banking. An account for medium-sized established businesses. Aug 30, 2024 · Opened a sole Barclays Bank Account in the Barclays app 1 and joined Barclays Blue Rewards 2 Or; Opened a sole Premier Current Account in the Barclays app (eligibility applies) 3; Completed a full current account switch in the Barclays app, including at least two active Direct Debits, using the Current Account Switch Service 4 Oct 30, 2024 · How you earn it: Open a Barclays Online Savings. To apply for a student account, go to ‘Products’ on the home page and select ‘Current Accounts’. You’ll need the 16 digit number off your card, then follow the onscreen instructions. If you’re using your mobile device now, download it from your app store below. However, you can’t open these accounts in somebody else’s name, even if you’re holding their money Jul 1, 2024 · You'll be eligible to open the following two types of accounts this way: (1) the £0-per-month Barclays Bank Account mentioned earlier, or (2) the Premier Current Account, which has a high barrier to entry (£75,000 gross annual income or £100,000 saved or invested with Barclays) and comes with a lucrative rewards program. Activity Cost Sep 27, 2024 · Barclays Bank Account. Mar 5, 2024 · Some banks are strict with their requirements, so opening a bank account with them will be difficult. Barclays Blue Rewards: £800: £9,700: The quickest way to open a sole Premier Current Account is to download the Barclays app from your app store and open it to start your application. Our Everyday Banking team are there for your everyday transactions. Barclays offers two types of savings accounts: the Barclays Online Savings Account and the Barclays Online CD. Scan the QR code using the camera on your mobile device to download the Barclays app. Narrow down top savings accounts by fees, opening deposits, APYs and more. The promotional subscription will be available from Perlego’s website, redeemable with the registration code and instructions emailed to you. Maximum Account Balance: $1,000,000. You need to be 18 or over to access this product or service using the app. When you turn 18 we’ll change your account to a Barclays Current Account – we’ll let you know before we make this change. They’ll need to provide No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. You can find these details about a Barclays branch using our branch finder. Registered No. Barclays Current Account offering delivers a multi-utility current account with an Average Quarterly Balance (AQB) of Rs. You'll also need Residence in a qualifying country We offer bank accounts in over 35 countries internationally. 20%: None: Barclays Tiered Savings Account: $250,000: 4. All business accounts help; Starting a business; Opening; Premier accounts; Students and graduates; International accounts No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. Cookies are stored locally on your computer or mobile device. Open an account Start saving and explore Barclays Blue Rewards Nov 20, 2023 · Previous Account Closure: If you have a history of account closure or negative banking history with Barclays or other financial institutions, it may affect your ability to open a new account. Nov 1, 2024 · Barclays Online Savings. You can open an account online, in the Barclays app, in branch or over the phone. What your parents or guardians will like: It’s a free bank account for, with no monthly fees Opening a Barclays International Bank account is straightforward and you’ll have a choice of three major currencies – sterling, euros, or US dollars. Deposit Holds Oct 17, 2023 · Barclays high-yield savings account offerings. uk” Community Account Eligibility Barclays Bank UK PLC There’s a £12 monthly fee and you have to opt out of Barclays Blue Rewards and go paperless for all your accounts and services with us. You must have a UK address and lived in the UK for the last three years. Enjoy a wide range of accounts designed to fit all your banking needs. Barclays Online Savings is the bank's flagship savings account. It pays more than the average savings Nov 1, 2024 · Although Barclays boasts high APYs and no minimum opening deposit requirements or monthly maintenance fees, customers searching for a bank with many different account options should look elsewhere. Its U. There’s no minimum deposit requirement to open a Barclays savings account, and Barclays doesn’t Bank accounts. Jul 21, 2023 · Opening a bank account with Barclays UK is a straightforward process that can be completed online or in person. While this account doesn’t exist anymore, international students can still apply for their regular bank account instead. The Barclays Online Savings Account is a good account for easy opening requirements — you can open it for $0, and there aren't monthly maintenance fees. What you need to open an account To open a Young Person’s Account, we need to see documents that confirm who you are and where you live. You can join Premier Banking if you have an income of £75,000 or £100,000 held in savings or investments with us. Forget about banker's hours Access your account online 24/7, or call us 8:00 am – 8:00 pm ET seven days a week at 888-710-8756 . Open a new Barclays Student Additions Account by 13 December 2024. 01. 5 million. Barclays Bank UK PLC adheres to The Standards of Lending Practice which is monitored and enforced by the Lending Standards Board. 70% APY with a balance of $5,000 or more. gov. Opening a Barclays International Bank account is straightforward and you’ll have a choice of three major currencies – sterling, euros, or US dollars. Nov 4, 2024 · No monthly fees or minimum opening deposit requirements – Barclays does not require a minimum deposit when opening a new savings account or CD. Redeem the subscription with Perlego by 11:59pm on 31 December 2024. This means you can earn interest on any cash you hold while you select your investments, there’ll also be an Investment Saver facility attached to it which gives you the opportunity to earn interest on your uninvested cash. All current accounts help; Opening an account; Switching; Statements and balances; Business accounts. How are account opening applications from payment service providers (PSPs) assessed? We apply standard principles when assessing account opening applications from payment service. If you already bank with us, you can open a savings account in the Barclays The Barclays Online Savings Account offers industry-high interest rates (APYs) and secure, 24/7 access to your funds. 01: 4. Maximum Open Account Limit: 3 open accounts per customer. Return to reference ‘Tax-free’ indicates that interest is exempt from UK income tax provided all ISA conditions are met. For interest to post to your account you must maintain a minimum balance that would earn you at least $0. Oct 7, 2024 · Barclays CDs don’t have any monthly fees, account opening fees or hidden fees. In Online Banking, search for ‘Barclays Bank Account’. If you have a joint account, only one person can use that account to join. All business accounts help; Starting a business; Opening; Premier accounts; Students and graduates; International accounts Open a Barclays Basic Bank Account and get the no-frills benefits of online, branch and phone banking – with no overdraft and no monthly fees. No option to open a new account. Within 30 days, fund it by $25,000 or more. Feb 1, 2023 · To open a Start-up Business Account, you must be an existing Barclays customer (due to a post-pandemic surge in demand) and operate either as a sole trader or a one-person limited company. We’ll leave your old account open and you'll need to arrange to transfer any incoming payments (like your salary) to your new Barclays account. *Fees are based on the type of business account you open with us. Tried various option but nothing offers me any way to open a new account. T&Cs apply (Return to reference). b. Charity and Impact account. org. Log in to Barclays Online Banking to access your account securely. Online Savings. Jul 15, 2024 · London-based Barclays provides services to tens of millions of people worldwide. It only takes a few minutes online, but you’ll need to have your addresses for the past 3 years and income and employment details for both people applying to hand. ‎The Barclays app HOW TO REGISTER If you’re 16 or over and you have a UK-registered mobile number and a UK Barclays current account or Barclaycard, you can register for the app. Aug 30, 2024 · Available accounts: Barclays is focused on online savings, and you're limited in the types of accounts you can open. Earn interest on uninvested cash. Let's go forward. If you aren't holding client money, we have other accounts that might be more suitable for you, like a Business Premium Account or Business Current Account.   Here's a look at Barclays' savings interest rate and other features to help you decide whether its savings account is right for you. Do you have any questions? If you have any questions about the application process: For International Banking - Barclays International call: +44 (0)1624 684316 or email: BWIclientsupport@barclays. An award-winning account with great rates, no minimum balances and no monthly maintenance fees. 25% on investments up to £200,000 and 0. With over 325 years of history and expertise in banking, Barclays operates in over 40 countries and employs approximately 85,000 people. Account fees are free for your first 12 months as a new Barclays business account holder and start from £8. Jun 29, 2023 · What are the requirements to open a student bank account with Barclays? To open a student bank account with Barclays, you have to meet the following requirements:¹. They both offer higher interest rates than the Everyday Saver while allowing instant access to your whole balance. With no account opening or monthly service fees, the CIT Platinum Savings Account is a premier option that offers a competitive 4. Barclays is a British multinational banking and financial se No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0. Neither you or the person with whom you're opening the account needs to be an existing Barclays customer. 50 a month after that. T&Cs apply. Help! thx in advance Barclays Open Banking allows you to share your financial data with registered companies, and to pay in new ways directly from your current account. The options open to you will vary depending on whether you’re a UK resident (or intend to become one), or are looking to open a non-resident GBP account. What is the easiest bank account to open in the UK? It’s usually easier to open an account with one of the UK’s largest banks - Barclays, Lloyds, HSBC or NatWest. A minimum of £100,000 (or currency equivalent) 1, 2 ** $200 Bonus Offer: To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible), open an account 11/7/2024 through 1/6/2025, fund your new Tiered Savings account with at least $25,000 within the first 30 days of opening the account, and Fees could reduce earnings on the account. Transaction charges apply. 80% Rate info Circle with letter I in it. 50 Executor accounts. lhzafikz tab erkk cydijz ycphm jrtjwk vdgne ozwivhw ezxj dnyq