<prompt> Human: I am thinking about heading to:For 1.00. Does anyone have opinions on Barclays?  <response>: Im with Barclays and couldnt be happier. I switched to them about a year ago when American Express dropped to .75. Barlcays has not adjusted their rate since Ive been with them. It takes 20 minutes to sign up and another 10 to transfer your money there. There is a lot of flawed logic here. I hope you make the best decision for you. 