Name of Account and Rate
 Provider: BARCLAYS BANK PLC
 Name of Account: First Additions
 Credit Interest Rate (gross): 0.1 %
 Interest Rate: 0.1 %
 Interest Paid: Quarterly
 
Account Structure
 Tiers Available
 
 Balance  AER  Gross
 £1  0.1%  0.1%
 
 Account Details

 Access By:
Branch Post Post Office Telephone Internet Digital TV WAP
     
 Availability Information: Applicants must be UK residents aged 18 years or over, and must not be bankrupt or have CCJs. A regular income or salary is required.
 Minimum Income Required: No minimum stated.
 Free Banking If In Credit: No
 Service Charge: 6.50 per month.
 Packaged Account: Yes
 Investment Conditions: No minimum or maximum investment levels. Earn interest on cheques 3 days after they are paid in at a Barclays branch.
 Withdrawal Access: Instant access.
 Benefits And General Notes: Open a First Additions Current Account online and receive a free flight voucher. Terms and conditions apply.

Packaged account benefits include gadget insurance (providing cover for electrical items including Mp3 players), comprehensive mobile phone insurance, online shopping discounts from the Barclays & Me website, card holder protection, Telephone and Online Banking, a 24 hour legal helpline and identity theft advice.
 
 Facilities
 Multi Function Card: Visa Electron or Barclays Connect.
 Cash Card: Yes
 Debit System: Purchases abroad are subject to a charge of 2.75% for Barclays handling costs and any Visa processing fees; this is included in the Sterling conversion shown on the account statement.
 ATM and Cash Withdrawal Notes: Withdraw up to 300 a day at Barclays and Woolwich ATMs.
When obtaining cash, foreign currency or travellers cheques anywhere in the UK other than an ATM or Barclays branch a charge of 2.00% will be applied (minimum 1.50, maximum 4.50).
Card transactions abroad are subject to a charge of 2.75% for Barclays handling costs and any Visa processing fees; this is included in the Sterling conversion shown on the account statement. An additional charge of 2.00% (minimum 1.50, maximum 4.50) will be applied to all foreign transactions via ATMs or over the counter at banks, except Barclays ATMs and at ATMs belonging to the Barclays Global Alliance.
 Cheque Guarantee Card: N/A
 Cheque Book: Yes
 Standing Orders / Direct Debits: Both facilities are available.
 
 Borrowing
 Overdraft Facility: Yes
 Authorised Overdraft Arrangement Fee: Nil
 Authorised Usage Fee: Nil
 Fee Free Overdraft Limit: 100
 Interest Free Overdraft Limit: 100
 Authorised Overdraft Interest (pm/EAR): 0.79% per month  / 9.9% EAR
 Unauthorised Overdraft Interest (pm/EAR): n/a
 Unauthorised Overdraft Fees: See "Other Information".
 Other Information: Overdrafts are available subject to status and are repayable on demand.

An interest free overdraft is available to new customers for the first 6 or 12 months after account opening, depending on the amount paid into the account. Terms and conditions apply.

A Paid Referral Fee of 30 is charged when Barclays pay an item that results in the account going overdrawn by more than 5.00 without an agreed limit, or by more than 5.00 above an agreed limit. In addition, this fee will also be charged if Barclays pay any further items that increase the unauthorised borrowing by 1.00 or more (maximum charge of 90 per account within each monthly charging period).

Items returned unpaid due to insufficient funds are subject to a charge of 35 (maximum per account per day).

Other Charges
Direct presentation service: 20
Stopped cheque: 12.50
Copy statement (per request per account): 5.00
Same day transfer of money to another bank in the UK (CHAPS): 25
Banker's draft: 15