To apply for this current account
Go to the Barclays website
Barclays’ current account can be tailored to suit your individual needs, so you can build the exact account you want.
What’s the deal?
You customise your account with a range of ‘packs’ that cover your gadgets, home appliances and any trips abroad that you might make. For example, the Travel Pack provides RAC Breakdown Cover in the UK as well as European Family Travel Insurance. There’s also a Travel Plus pack which provides RAC Breakdown Cover in the UK and Europe, worldwide family travel insurance and airport lounge access, and a Tech Pack, which offers cover for your mobile and other gadgets. You can also get a Home Pack which provides satellite and TV cover and extended warranty cover among other things. In addition to the packs, you can add individual features such as text alerts, online statements and a personalised debit card.
If you want to buy two packs, then costs can start mounting up, which means you may be better off opting for an alternative packaged account that includes a range of monthly benefits in return for one monthly fee.
What’s the verdict?
This account is well worth a look for customers who prefer to take a DIY approach to banking and decide exactly what they do and don’t want to pay for.
Is this account right for you?
To open this account
- You must be aged 18 or over to apply
- You must not be bankrupt
- Overdrafts are subject to application and status
- Overdraft Facility
- Mobile App
- Direct Debits
- Standing Orders
- Online Banking
- Text Alerts
- Online Fraud
- Switching Service
-Earn enhanced cashback at over 100 online retailers and Expedia when you shop through SmartSpend
-Earn rewards of up to £192 a year (subject to eligibility) (Consists of £7 Loyalty Reward, £5 Mortgage Loyalty Reward, up to £3 Home Insurance Loyalty & £1 Barclayloan per month. Other rewards are available).
-Customise your account features with Barclays Feature Store
-Personalised debit card (Terms and conditions apply)
- Great for
- Earn enhanced cashback at over 100 online retailers and Expedia when you shop through SmartSpend
- Earn up to £16/month loyalty rewards
- But be aware that
- £3 monthly fee
- Pack fees range from £6 to £15.50 per month
- The full monthly £7 Loyalty Reward is subject to UK income tax and may need to be declared to HM Revenue & Customs. All other current Blue Rewards and any SmartSpend cashback are not subject to UK income tax
|Balance||Introductory Rate||Follow on rate||Gross AER*|
- Any interest you earn will be tax-free up to your annual personal savings allowance.
Overdraft Rates and Charges
|£0.00 - £1,000.00||£0.75 / Daily|
|£1,001.00 - £2,000.00||£1.50 / Daily|
|£2,001.00 - £5,000.00||£3.00 / Daily|
- You can apply for an overdraft of up to £5,000 (subject to status). If you add one or more packs to your Barclays Bank Account, you're eligible to apply for a fee free arranged overdraft of up to £200 (subject to application and status).
|Other Overdraft Charges||Fee/Rate||Notes|
|Unplanned Overdraft Fee||£5.00 / per item||You can apply for an Emergency Borrowing facility. If you have arranged an Emergency Borrowing facility, you will receive a £15 buffer, if you go into your Emergency Borrowing by more than this a fee of £5 per day will apply. This fee is capped at seven days in each monthly charging period, however overdraft daily fees may also apply. Refer to provider for full details|
|Foreign ATM Charge||£1.50 / per item||This fee will be charged if you use your debit card abroad to get cash at an ATM other than a Barclays ATM or those within the Global Alliance|
|Foreign Exchange Rate||2.75% / per item|
|Returned Item Charge||£8.00 / per item||Maximum of one fee per day|
|Service Charge||£3.00 / Monthly||There is a £3 monthly fee for Blue Rewards. If you want to add a pack to the account, monthly fees start from £6|
Operating and accessing your account
|Operating your Account||Making Withdrawals|
Mobile App Features
|Make transfers between accounts||-|
|Make transfers to other people||-|
|View transaction history||-|
|View direct debits/standing orders||-|
|Apply for new products||-|
|Use app on multiple devices||-|
|Setup payments, standing orders, or direct debits||-|
|View mini statements||-|
|Make payments to other people||-|
|Use multiple devices||-|
Mobile App features may be limited. Please refer to providers site for more information.
- This account has a Visa Debit card.
- The currency for this account is Pound.