Barclays Bank Account
Flexible, rewarding banking
No monthly fee
Eligibility, terms and conditions apply
It’s easy to switch your current account to us
Use the Barclays app(1)to switch your current account to us in a few simple steps. The Current Account Switch Service Guarantee means your new bank will switch your payments and transfer your balance, and your old bank will take care of closing your old account – all in seven days.
Help when you need it
Send us a message from the ‘Help’ section of the app or Online Banking and we’ll let you know when we’ve replied.
Award-winning security
We’re the only bank in the UK to have received Secure Digital Banking kitemarks for our app and Online Banking
More Barclays Bank Account features
Optional overdraft
Set up an arranged overdraft to suit your needs. Subject to application, financial circumstances and borrowing history.
Apple Pay and Google Pay
Pay with your device.
Instant spending notifications
See what you’ve spent at a glance.
Personalise your card
Bring your card to life with a photo to make you smile.
Insurance packs
Add travel insurance , RAC cover and gadget insurance to your account for an additional fee. You’ll need to have an eligible current account with us. Terms, conditions and exclusions apply.
Please open and read the general information about overdrafts before you apply
An overdraft limit is a borrowing facility which allows you to borrow money through your current account.
There are two types of overdraft – arranged and unarranged.
An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, like an unexpected bill. It’s not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any fee-free limit you may have.
An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an arranged overdraft limit with us in advance or you have exceeded an existing arranged borrowing facility.
You can only make payments from your account if you have enough money in it or an arranged overdraft to cover them. We’ll always try to return any transaction that could take your account into an unarranged overdraft. Having enough money in your current account or having an arranged overdraft limit could help prevent payments like priority bills from being returned unpaid.
On very rare occasions, we might not be able to return a payment (for example, due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. We won’t apply any additional charges in this situation.
We may send information about how you manage your account to credit reference agencies. As with any debt or borrowing, this may affect your ability to get credit in the future.
Our eligibility tool can show you the likelihood of getting an arranged overdraft. The overdraft calculator lets you see how much it could cost to use one. To use these tools and find out more about overdraft charges, please visit barclays.co.uk/youroverdraft.
If we have a valid mobile number for you, we’ll automatically enrol you to receive relevant alerts about borrowing and refused payments, to help you avoid charges. You can also choose to receive additional alerts, including low balance and large credit or debit. Tailor your alerts to your personal needs online or by phone. To find out more, visit barclays.co.uk/alerts.
Boost your Barclays Bank Account with Blue Rewards
Get more from your banking for just £5 a month. Eligibility, terms and conditions apply(2).
Savings rates
Grow your savings with enhanced rates.
Apple TV+
Watch award-winning series and films, with new Apple Originals added every month.
Apply for a sole Barclays Bank Account
To apply for this account you’ll need to:
- Be aged 18 or over
- Have a UK mobile number
- Provide proof of identity, like a passport or driving licence.
Download the app(1) to get started.
If you don’t have a UK mobile number you can apply online instead.
Apply for a joint Barclays Bank Account
To apply for this account, both account holders will need to:
- Be over 18
- Have lived in the UK for the last 12 months
- The other account holder will need to be with you during the application.
For more information on what you could get with a joint accounts, take a look at our joint account features.
Terms and conditions
Please read these important guides to your rights and responsibilities when using the Barclays Bank Account.
Terms and conditions for personal accounts
Tariff of charges for personal accounts
[PDF, 1669KB]
Fee information document – Barclays Bank Account
[PDF, 306kb]
Important information
You need to be 18 or over to access these products or services using the app. T&Cs apply(Return to reference)
Read the Barclays Blue Rewards terms and conditions [PDF, 181kb] and eligibility information.(Return to reference)
Barclays Cashback Rewards terms and conditions are separate from the Blue Rewards terms and conditions. Spend must be on your Visa debit cards linked to Barclays Cashback Rewards. To earn cashback, you’ll need to follow the individual retailer offer terms.(Return to reference)
Eligible investments are Investment ISAs, SIPPs or General Investment Accounts held through Smart Investor, Plan and Invest or Barclays Investment Solutions Limited.(Return to reference)