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JOB LOCATION:

PRINERGY 3

Barclays tariff
for personal
customers
Our bank charges explained

June 2014

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Contents
3

About our tariff

What's covered by the tariff.
If you have an older account.

Account and Pack fees

Monthly charges for current accounts and Packs.

Borrowing from us
Daily fees and other charges for overdrafts and
Emergency Borrowing.

Charges if you try to make a payment without

having enough money
Unpaid Transaction Fees.

10

Charges for using your debit card

Charges in the UK and abroad.
Deciding whether to pay in sterling or in the local currency.

11

Charges for other current account services

Charges for services you may use less often, which you
pay for individually.

12

Other important information

How and when fees will be taken from your account.
What to do if you don't want your new account.
How to complain or give us feedback.
About the Financial Services Compensation Scheme.

BAR_9913194.indd 3

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1 Abo

The ta
and wh
with Ba

The ta
we offe

i If y
new
acc
bar

i If y
cer
cur
any

We can
Agreem

2 Acc

Some o
include

Fees ar

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Barclay

Premie

Cash C

Gradua
Higher

Studen
Young

Barclay

BAR_9913194.indd 4

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1 About our tariff

The tariff tells you what we charge you for banking services: how much,
and when. It forms part our agreement with you when you choose to bank
with Barclays.
The tariff sets out daily fees and charges for the current accounts and services
we offer in the UK. It covers the accounts listed in Section 2 below.
i If you opened your account a while ago and it's not one we still offer to
new customers, this tariff won't apply to it. You can get the tariff for older
accounts (such as Additions accounts) by asking in branch or visiting
barclays.co.uk/welcomepacks.
i If you have a savings account or want to know about interest rates on
certain current accounts, you'll ind interest rates for your savings or
current account in our lealet 'Rates for Savers'. You can get this from
any of our branches.
We can change our charges and fees as set out in the Retail Customer
Agreement.

2 Account and Pack fees

Some of our accounts have monthly fees you'll ind them here. This section also
includes fees for Packs, which are sets of features you can add to your account.
Fees are taken from your account on the irst working day of each month.

Account type

Monthly account fee

Barclays Bank Account

No account fee

Premier Current Account

No account fee

Cash Card Account

No account fee

Graduate Additions Account

7 a month

Higher Education Account

No account fee

Student Additions Account

No account fee

Young Person's Account

No account fee

BarclayPlus Account (for 1116 year olds)

No account fee

BAR_9913194.indd 5

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3 Bor

If you a
as an o
Emerg
Accoun
Borrow

Eligibility for Premier banking

To be eligible to join Premier Banking, you must have an annual gross income
paid into a Barclays current account of 75,000+ and /or 100,000+ saved or
invested through Barclays.
Eligibility for Premier Banking will be reviewed regularly and if you no longer
meet the criteria, we will contact you with your options and we reserve the right
to move you from Barclays Premier Banking. We may vary the eligibility criteria
for Barclays Premier Banking from time to time.

Over

The fee
althou
fee-fre
may be

To ind out more about Premier Banking, visit barclays.co.uk/Premier or ask

at a branch.

Daily fe
to your

Pack fees
For a monthly Pack fee, you can add a Pack to your Barclays Bank Account,
Premier Current Account or Cashcard Account to get the features and beneits
you want. You can't add Packs to other Barclays accounts. If you have a
Premier Current Account, you can also get Premier Packs.

Accou

Barclays
Persona

To ind out more about Packs, visit barclays.co.uk/FeaturesStore or ask at

a branch.

Type of Pack

Monthly Pack fee

Tech Pack
Travel Pack
Travel Plus Pack
Home Pack
Home Protection Pack
Premier Tech Pack
Premier Travel Plus Pack

7.50 a month
8.50 a month
13.50 a month
6.00 a month
12.00 a month
7.50 a month
11.50 a month

Barclays
Bank Ac
with Ov
(where
a Pack)

Get a discount for adding more packs

When you add a second or third pack to the same bank account on which you
already have a pack, you will receive a multi-pack discount of 2 for each pack
added. That means you'll get a discount of 2 a month if you've got two packs
and a discount of 4 a month if you've got three packs.

Barclays tariff for personal customers

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3 Borrowing from us

me
r

If you are over 18, you can ask to borrow money through your current account
as an overdraft or Emergency Borrowing (or both). There are no overdraft or
Emergency Borrowing facilities available on Cash Card Accounts, BarclayPlus
Accounts and our Young Persons' Accounts. Overdrafts and Emergency
Borrowing facilities are repayable on demand. Here's how we charge.

ght
a

Overdraft fees

its

The fees shown here are variable, which means we can change them
although we will let you know before we do this. Overdrafts, including fee-free
amounts, are subject to status and application, so the amount offered may be
different to that shown in the examples in this section.
Daily fees are calculated on the daily statement balance and charged to your
account monthly as follows.

Account type

Fees payable

Representative example

Barclays
Personal Overdraft

Daily fees are charged on all balances

within an arranged overdraft limit.

Up to 5,000 (subject to
application and status).

The daily fees are as follows:

If you use an overdraft of 1,200

you will be charged 1.50 per day
when you use it.

Up to 1,000

75p per day

Over 1,000 and

up to 2,000

1.50 per day

Over 2,000

3 per day

The maximum arranged overdraft

is 5,000
Barclays
Bank Account
with Overdraft Tier
(where you have
a Pack)

No daily fees are charged on arranged

overdrafts up to 200. When you go
over your 200 limit, daily fees are
charged on the whole balance of your
arranged overdraft.
The daily fees are as follows:

you
ack
cks

Up to 200

No fee

Over 200 and

up to 1,000

75p per day

Over 1,000 and

up to 2,000

1.50 per day

Over 2,000

3 per day

Fee-free overdraft up to 200

(subject to application and status)
while you stay within that limit.
If you use an overdraft of 1,200
you will be charged 1.50 per day
when you use it.

The maximum arranged overdraft

is 5,000
5

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Executive Overdraft

Premier
Current Account

Daily fees are charged on all balances

within an arranged overdraft limit.

Up to 5,000 (subject to
application and status).

The daily fees are as follows:

If you use an overdraft of 2,200

you will be charged 3 per day
when you use it.

Up to 1,000

75p per day

Over 1,000 and

up to 2,000

1.50 per day

Over 2,000

3 per day

No daily fees are charged on arranged

overdrafts up to 1,000. When you go
over your 1,000 limit, daily fees are
charged on the whole balance of your
arranged overdraft.
The daily fees are as follows:
Up to 1,000

No fee

Over 1,000 and

up to 2,000

1.50 per day

Over 2,000

3 per day

Higher E

Fee-free overdraft up to 1,000

(subject to application and status)
while you stay within that limit.
Up to 1,000 fee-free. If you use
an overdraft of 1,200, you will
be charged 1.50 a day when you
use it.

Overdrafts over 15,000 have a set up fee of 1.5% of the arranged overdraft
limit. An overdraft renewal fee of 1.5% of the limit will also be applied to
these overdrafts annually. For arranged overdrafts over 25,000 we may ask
for security. Please ask your Premier Team for more information.

Overdraft fees Student accounts

Account type

Fees payable

Representative example

Student Additions

No daily fees are charged on arranged

overdrafts up to 2,000. When you go
over your 2,000 limit, daily fees are
charged on the whole balance of your
arranged overdraft.

Fee-free overdraft up to 2,000

(subject to application, status and
residency) while you stay within
that limit.

The daily fees are as follows:

Up to 2,000

No fee

Over 2,000

1 per day

Up to 2,000 fee-free. If you use

an overdraft of 2,200, you will
be charged 1.00 a day when you
use it.

The maximum arranged overdraft

is 3,000

Barclays tariff for personal customers

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Graduat
Addition

Higher Education

of 2,200
per day

1,000
and status)
hat limit.

you use
you will
when you

Available fee-free overdraft depends on Fee-free overdraft up to 1,500

year of graduation as follows:
(subject to application and status)
Year 1: up to 1,500
while you stay within that limit.
Year 2: up to 1,000
For your 1st year after graduation:
Daily fees are charged on the whole
Up to 1,500 fee-free. If you use
balance of an arranged overdraft above an overdraft of 1,800, you will be
the fee-free limit. The daily fees are
charged 0.50 a day when you use
as follows:
it. Lower fee-free limit applies in
2nd year.
Over 1,000 and
50p per day
up to 2,000
Over 2,000

1 per day

The maximum arranged overdraft

is 3,000
Graduate
Additions

Available fee-free overdraft depends on

year of graduation as follows:
Year 1: up to 3,000
Year 2: up to 2,000
Year 3: up to 1,000
Year 4: up to 500
Year 5: up to 200
Daily fees are charged on the whole
balance of an arranged overdraft above
the fee-free limit. The daily fees are
as follows:

mple

Up to 1,000

25p per day

Over 1,000 and

up to 2,000

50p per day

Over 2,000

1 per day

Fee-free overdraft up to 3,000

(subject to application and status)
while you stay within that limit.
For your 2nd year after graduation:
Up to 2,000 fee-free. If you use
an overdraft of 2,200, you will
be charged 1.00 a day when you
use it.

The maximum arranged overdraft

is 3,000

2,000
status and
ay within

you use
you will
when you

BAR_9913194.indd 9

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4 Cha
with

These
careful

Emergency Borrowing
Emergency Borrowing is a service we can provide in addition to or instead
of an overdraft to help you cover unexpected or emergency payments.
Emergency Borrowing is subject to status, application and the type of account
you hold so the amount offered may be different to that shown in the example.

When
any av
your ac
go out

If you have arranged an Emergency Borrowing facility, we give you a buffer

of 15. If you go into your Emergency Borrowing by more than this amount,
we will charge you an Emergency Borrowing fee of 5 per day for each day
you use it.

If we re
then w
of cons
the oth

This fee is capped at seven days in each monthly charging period, so using
your Emergency Borrowing will never cost you more than 35 per month.
However, if you have an overdraft, you will be charged the highest daily fee
that applies to your overdraft for the remainder of the monthly charging
period. We explain how we set the monthly charging period in section 7
Other Important Information.

Fee

Unpaid

You wi
workin
not app

Representative example
Emergency Borrowing of 100 for ten days with an overdraft of 1,000.

Cont

Fee of 5 per day, capped at seven days giving a total of 35 plus three
days at 75p giving a total of 2.25 and overall total of 37.25.

For a m
Fees. If
accoun
any Un
charge

If you would like to talk to us about applying for an overdraft or Emergency

Borrowing, please ask at a branch.

Fee

Contro

To ind

Click b
Come

Barclays tariff for personal customers

BAR_9913194.indd 10

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unt
ple.

g
.
ee

4 Charges if you try to make a payment

without having enough money
These are charges you can avoid by planning and by managing your account
carefully.
When you ask us to make a payment, you must have the money (including
any available overdraft, Emergency Borrowing or any buffer we give you) in
your account to cover the payment at 3 pm on the day the money is due to
go out.
If we refuse the payment because you do not have the money to cover it,
then we'll charge you an Unpaid Transaction Fee of 8 per day for our service
of considering the requested payment and, where necessary, dealing with
the other bank.

Fee

Amount

Unpaid Transaction Fee

8 per day

You will not be charged more than one Unpaid Transaction Fee in any one
working day no matter how many items are returned unpaid. This fee does
not apply to Young Person's Accounts or BarclayPlus Accounts.

Control Feature
For a monthly fee, Control Feature helps you to avoid Unpaid Transaction
Fees. If you try to pay for something when there isn't enough money in your
account the payment will be returned unpaid but you won't be charged
any Unpaid Transaction Fee. This could be right for you if you often get
charged Unpaid Transaction Fees.

Fee

Amount

Control Feature

To ind out more

Click barclays.co.uk/overdraftchanges
Come in to a branch

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5 Charges for using your debit card

6 Cha

If you use your debit card in the UK: Barclays will not charge you for using
your debit card in the UK when making purchases, withdrawing cash, or
when buying travellers' cheques or foreign currency. A small number of cash
machine providers may charge a transaction fee but they should tell you
about this on-screen before you commit to any transaction.

We can
the ser

If you use your debit card abroad or pay in a currency other than sterling
(either abroad or in the UK): Barclays will charge you a 2.99% Non-Sterling
Transaction Fee for using your debit card abroad when making purchases,
withdrawing cash, or when you are being refunded. This fee will also apply
whenever you do not pay in sterling, for example when you shop online on
some websites.
On top of this, if you're getting cash over the counter at a bank abroad
(including Barclays), or using a cash machine other than a Barclays cash
machine or a cash machine at a Global Alliance member bank, you'll also
be charged a 1.50 Non-Sterling Cash Fee and the cash machine provider
may apply other charges.

Same-d

Servic

Direct P

Banker

Stoppe

Copy s

Replace

Priority

Standa

SEPA C

Receivi

Visa converts transactions into sterling using the Visa Exchange Rate on
the day it processes the transaction. This date may be different to the day
on which the transaction took place. Historic exchange rate information is
available on visaeurope.com.

Cancell

Barclay

Standar

When using your debit card abroad some merchant terminals or cash machines
may offer you the choice of paying for your transaction in sterling. If you
choose to pay in sterling the 2.99% Non-Sterling Transaction Fee will not
apply, but you should always try to ind out what the merchant or cash machine
provider's commission charges are and what exchange rate they are using, as
overall it may be more expensive to pay in sterling.

10

Overdr

There
us that

# Includ
of Barcla

Barclays tariff for personal customers

BAR_9913194.indd 12

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g
g

nes

hine
as

6 C h a r g e s f o r ot h e r c u r re nt a c c o u nt s e r v i c e s
We c a n c h a n g e t h e s e at a ny t i m e . We ' l l te l l yo u t h e c u r re nt c h a r g e s w h e n yo u re q u e s t
t h e s e r v i c e . Fe e s m a r ke d w i t h a n a s te r i s k a re f re e to P re m i e r B a n k i n g c u s to m e r s .

Service

Fe e

D i re ct P re s e nt at i o n S e r v i c e ( f o r r a p i d c h e q u e c l e a r a n c e )

20

S a m e - d ay t r a n s f e r of m o n ey to a n ot h e r b a n k i n t h e U K ( C H A P S )

25

B a n ke r ' s d r af t

15

Sto p p e d c h e q u e

1 2 .5 0 *

C o py s t ate m e nt ( p e r re q u e s t , p e r a c c o u nt )

Re p l a c e m e nt o r a d d i t i o n a l P I N s e nt r y c a rd re a d e r

6*

P r i o r i t y B a rc l ay s I nte r n a l Pay m e nt s ( B I P S )

40

St a n d a rd B a rc l ay s I nte r n a l Pay m e nt s ( B I P S )

25

S E PA C re d i t Tr a n s f e r

15

Re c e i v i n g c u r re n c y o r i nte r n at i o n a l p ay m e nt s ( o u t s i d e S E PA )

C a n c e l l i n g a C H A P S o r i nte r n at i o n a l pay m e nt o rd e r ( ot h e r t h a n c h e q u e ) 2 0
B a rc l ays afe o u r s afe c u s to d y s e r v i c e

St a n d a rd s e r v i c e fo r d o c u m e nt s a n d wa l l et s o n l y

plus 1 0 per access#

O ve rd r af t C o nt ro l Fe at u re

8 p e r m o nt h

T h e re m ay a l s o b e ot h e r t a xe s o r c o s t s t h at a re n ot p a i d t h ro u g h u s o r i m p o s e d by
u s t h at yo u h ave to p ay i n c o n n e ct i o n w i t h yo u r a c c o u nt .
# I n c l u d e s VAT ( VAT n ot a p p l i c a b l e i n t h e C h a n n e l I s l a n d s ) . We re s e r ve t h e r i g ht to a m e n d t h e p r i c e
of B a rc l ay s af e i n l i n e w i t h a ny c h a n g e i n t h e r ate s of VAT.

11

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7 Other important information

Examples on our website

Getti

You can view examples on our website of charges for making payments
from your account when there isn't enough money.

If your
from s
to disc
local b

How and when fees will be taken from your account

Alterna
such a
Couns

Fees will be taken from your account monthly

Overdraft and Emergency Borrowing daily fees are calculated on the
daily statement balance
An Unpaid Transaction Fee is incurred on the day a transaction is
returned unpaid

Impo

We are
The FS
inanci
busine

We will give you at least 14 days' advance notice on your statement of the
total amount of any of these fees that will be taken from your account
We work out the monthly charging period from the date you chose for your
statement frequency. The monthly charging period always closes two days
before the date we issue your statement.

In resp
For join
of thei
maxim
total of
the elig
joint ac

Cooling off
If you are not happy with your account, you have a 14-day period in which to
contact us to cancel your account or switch to another account. This period
starts from the date you open your account or the date you receive your
account terms and conditions and other information, whichever is later. If you
contact us within this period to cancel or switch your account, we'll refund any
account fees you may have paid. However, if you cancel or switch your account
later than 14 days, you will not be refunded the account fees that you have
paid. If you wish to cancel or switch your account, you should tell us by writing
to: Barclays Bank PLC, Leicester Servicing Centre, Leicester LE87 2BB.

Barclay
names
Capita
Barclay
Barclay

For fur
(includ
local b
0800 6
directe

12

Barclays tariff for personal customers

BAR_9913194.indd 14

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ur
ys

o
d

ou
any
ount

Getting help
If your debts are rising, you could be in inancial dificulty and could beneit
from some advice. If you feel this may apply to you, please contact us
to discuss your inancial position we're here to help. Simply contact your
local branch.
Alternatively, you can get free independent debt advice from organisations
such as National Debt line (call 0808 808 4000), the Consumer Credit
Counselling Service (call 0800 138 1111) or your local Citizens Advice Bureau.

Important information about compensation arrangements

We are covered by the Financial Services Compensation Scheme (FSCS).
The FSCS can pay compensation to depositors if a bank is unable to meet its
inancial obligations. Most depositors including most individuals and small
businesses are covered by the scheme.
In respect of deposits, an eligible depositor is entitled to claim up to 85,000.
For joint accounts each account holder is treated as having a claim in respect
of their share so, for a joint account held by two eligible depositors, the
maximum amount that could be claimed would be 85,000 each (making a
total of 170,000). The 85,000 limit relates to the combined amount in all
the eligible depositor's accounts with the bank, including their share of any
joint account, and not to each separate account.
Barclays Bank PLC may also accept deposits under the following trading
names: Barclays, Barclays Bank, Barclaycard, Barclays Business, Barclays
Capital, Barclays Corporate, Barclays Direct, Barclays UK & Ireland Private Bank,
Barclays International Private Banking, Barclays Premier, Barclays Private Bank,
Barclays Wealth, Woolwich Mortgages.
For further information about the compensation provided by the FSCS
(including the amounts covered and eligibility to claim) please ask at your
local branch, visit the FSCS website fscs.org.uk or call 020 7741 4100 or
0800 678 1100. Please note only compensation-related queries should be
directed to the FSCS.

13

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Your feedback
We want to hear if you feel unhappy with the service you have received from
us. This gives us the opportunity to put matters right and improve our service
to all our customers.
You can complain at your branch, in writing, by email or by telephone. A lealet
detailing how we deal with complaints is available on request in our branches,
from the Barclays Information Line on 0800 400 100* or at barclays.co.uk.
Alternatively you can write to us at Barclays, Leicester LE87 2BB.
If we do not resolve your complaint internally to your satisfaction, you may
be able to refer it to the Financial Ombudsman Service (FOS) at South Quay
Plaza, 183 Marsh Wall, London E14 9SR (tel: 0800 023 4567). The FOS is an
organisation set up by law to give consumers a free and independent service
for resolving disputes with inancial irms. Details of those who are eligible
complainants can be obtained from the FOS.

The Data Protection Act

Under the Data Protection Act you have a right of access to certain personal
records. If you wish to exercise this right, please write to the Data Protection
Team, Barclays Bank PLC, Knutsford, Cheshire WA16 9EU. We charge a fee
for this service.

Find out more today

Come in to a branch, call 0345 7 345 345*, click barclays.co.uk

You can get this in Braille, large print or audio by calling

0800 400 100* (via Text Relay if appropriate) or by
ordering online from barclays.co.uk/accessibleservices
Call monitoring and charges information
* Calls may be monitored or recorded for quality and training purposes. Calls to 0800 numbers are free if made
from a UK landline. Calls to 03 numbers are charged at the same rate as calls to 01 and 02 landlines, and will
count towards any inclusive minutes you have covering calls to landline numbers. Charges may apply when
calling from abroad.
Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority (Financial Services Register No. 122702). Barclays Bank PLC subscribes to the
Lending Code which is monitored and enforced by the Lending Standards Board.
Barclays Bank PLC. Registered in England. Registered No. 1026167. Registered Ofice: 1 Churchill Place, London E14 5HP.
Item ref: 9913194, Revised 06/14

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