Current Accounts Details Page

To apply for this current account

Go to the Barclays website

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Product review

Barclays’ current account can be tailored to suit your individual needs, so you can build the exact account you want.

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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 Worldwide 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.

Any catches?

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

Account features

Account benefits

Earn enhanced cashback when you shop online and in-store through Barclays with over 150 retailers.

Earn rewards of up to £180 a year (subject to eligibility.) Made up of £7 loyalty reward, £5 mortgage loyalty reward, & £3 home insurance loyalty reward per month.

Customise your account with Packs.

Personalised debit card (Terms and conditions apply)


Great for
Earn cashback at over 150 retailers and Expedia when you shop online and in-store through Barclays
Earn up to £15 a month in loyalty rewards
But be aware that
You must be at least 18 years old to open this account
You'll have to pay a £3 monthly fee

Interest rates

Balance Introductory Rate Follow on rate Gross AER*
Any balance 0.00%
  • Any interest you earn will be tax-free up to your annual personal savings allowance.

Overdraft Rates and Charges

Overdraft Amount Fee Notes
£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 / Daily Barclays' Monthly Maximum Charge for Personal Current Accounts is £32. This includes: a maximum of 4 Unpaid Transaction Fees (£32 cap). Barclays' Monthly Maximum Charge for Personal Current Accounts with Emergency Borrowing is £67. This includes: a maximum of 7 Emergency Borrowing Fees (£35 cap) and a maximum of 4 Unpaid Transaction Fees (£32 cap). It doesn’t include charges for using an arranged overdraft or the cost of packs for customising your account

Other Fees

Fee Notes
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 four fees per month
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
Online -
Phone -
Post - -
Post Office
Mobile App -

Mobile App Features

Make transfers between accounts -
Check balances -
Make transfers to other people -
View transaction history -
View direct debits/standing orders -
Apply for new products -
Use app on multiple devices -
Branch finder -
Pay bills -
Setup payments, standing orders, or direct debits -
Make payments -
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.

Other details

  • This account has a Visa Debit card.
  • The currency for this account is Pound.

To apply for this current account

Go to the Barclays website

Go to site



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