A description of the issue : Barclays bank agreed to make an international transfer GBP 65,000 from my current account to an overseas property developer . ( my wife and I were buying a small flat and had already paid a deposit on it). Barclays did that in the branch and gave me the proof of transfer. Next morning I checked on line and found that the transfer had not gone through. Instead the balance of my current account from the previous day ( GBP 69,000 ) had been taken out with a description “TO RECONCILE” and so my balance was now zero.