Personal Premier Business Wealth Management Corporate Log In Search Menu Information about our current account services The Financial Conduct Authority requires us to publish the following information about our personal current accounts. How and when you can contact us to ask about the following things: 1 How and when to contact us 24-hour help?2 Telephone Internet banking3 Mobile banking 4 5 Contact details 0345 734 5345 Barclays Online Banking App available from the App Store or Google play Checking the balance and transactions Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Sending money within the UK, including setting up a standing order Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Sending money outside the UK Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Paying in a cheque Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Cancelling a cheque Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Withdrawing cash in a foreign currency outside the UK Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours A lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours A Direct Debit, or allowing someone to collect one or more payments from your account using your debit card number Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Third-party access to an account, for example under a power of attorney Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Problems using internet banking or mobile banking Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Reporting a suspected fraud incident or fraudulent transaction Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Progress following an account suspension or card cancellation, e.g. following a fraud incident Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Account opening, including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available Yes Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account, online, in the Barclays app or in one of our branches. In addition to the channels listed above, customers can contact us 24/7 through Video Banking (app required) and Twitter. How and when you can use your bank account to do the following things: How and when you can use your bank account Telephone banking Internet banking Mobile banking Checking the balance Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Accessing a transaction history Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Setting up a standing order Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Sending money within the UK Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Sending money outside the UK Monday to Sunday, 24 hours Monday to Sunday, 24 hours Monday to Sunday, 24 hours Paying in a cheque Not possible Not possible Monday to Sunday, 24 hours 6 Cancelling a cheque Monday to Sunday, 24 hours Monday to Sunday, 24 hours Not possible This is a list of common actions – it does not represent the full list of actions you can take in relation to your account, or actions you can take in one of our branches. Information about operational and security incidents We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services. Information about operational and security incidents In the 3 months between 1 July 2021 and 30 September 2021 In the 12 months between 1 October 2020 and 30 September 2021 Total number of incidents reported7 3 6 Incidents affecting telephone banking 2 3 Incidents affecting mobile banking 3 4 Incidents affecting internet banking 2 3 Complaints data Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data. The most recent summary is available at https://www.home.barclays/citizenship/reports-and-publications/uk-complaints-data.html The Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at http://www.ombudsman-complaints-data.org.uk/. Opening an account To open any of our accounts a new customer will need to provide us with the documents and information set out at www.barclays.co.uk/current-accounts/what-do-i-need-to-open-a-bank-account/. We may request additional information or documents in individual cases. How you can open an account You can open an account: Without visiting a branch8 In some cases Where a visit to a branch is required, without an appointment9 In some cases By sending us documents and information electronically In some cases By post No How quickly do we open personal current accounts? We give customers an account number and enable them to start paying into the account: On the same day for 93% of customers On average in 1 day For 99% of customers, within 12 days These figures are based on the time taken from our receiving all the information and documents we ask for at www.barclays.co.uk/current-accounts/what-do-I-need-to-open-a-bank-account, in a case where we don’t need any further information or documents to open the account How quickly do we give customers a debit card? Once an account is open, we give customers a debit card: On the same day for 0% of customers On average in 6 days For 99% of customers, within 9 days This is how long it takes to receive a debit card and a PIN (Personal Identification Number) so you can make cash withdrawals and payments The time taken includes an allowance for delivery by post Delivery of debit cards and PINs changed from first to second class post on 5 August 2021 How quickly do customers get internet banking? Once an account is open, customers have internet banking: On the same day for 0% of customers On average in 4 days For 99% of customers, within 8 days This is the time taken to get access to Barclays Online Banking including receiving the security device (‘PINsentry’) to enable you to make secure online payments. You also need a debit card and PIN to be able to operate the PINsentry device. You can also register separately for the Barclays app. How quickly is an overdraft available? Once an account is open, the overdraft is available: On the same day for 100% of customers On average in 0 days For 99% of customers, within 0 days This is the time taken to agree and make available an arranged overdraft to a customer who asks for one on the same day that they open their first personal current account with us. Applications can be agreed within 24 hours; however, as a responsible lender, we may need to ask for more information, in which case it takes longer (e.g. because of the additional time taken for communication between the bank and the customer). As the volume of applications is relatively small, the metrics presented can vary significantly from quarter to quarter. Replacing a debit card? How quickly do we replace debit cards which have been lost, stolen or stopped: On the same day for 0% of customers On average in 4 days For 99% of customers, within 7 days This is how long it takes to receive a replacement debit card (and, if necessary, a replacement PIN) The time taken includes an allowance for delivery by post Delivery of debit cards and PINs changed from first to second class post on 5 August 2021 What is the interest rate being charged on our products? Product Annual interest rates payable for arranged overdrafts on 30 September 2021 Annual interest rates payable for unarranged overdrafts on 30 September 2021 Refused payment fee on 30 September 2021 Barclays Bank Account Personal Overdraft 35.0% 0.0% £0.00 Premier Current Account 35.0% 0.0% £0.00 Student Additions Account 0.0% 0.0% £0.00 Higher Education Account 0.0% 0.0% £0.00 Barclays Bank Account Executive Overdraft 35.0% 0.0% £0.00 Barclays Bank Account Premier Card Overdraft (off sale) 35.0% 0.0% £0.00 Barclays Bank Account with Packs (offsale) 35.0% 0.0% £0.00 Platinum Banking Account (offsale) 35.0% 0.0% £0.00 Premier World Account (offsale) 35.0% 0.0% £0.00 Flexible Bank Account Base Rate Linked Overdraft (offsale)10 35.0% 0.0% £0.00 Flexible Bank Account Personal Overdraft (offsale) 35.0% 0.0% £0.00 How do our overdrafts compare? A good way to compare the cost of our overdraft with other overdrafts or other ways of borrowing is to look at the Annual Percentage Rate (APR). This shows the cost of borrowing over a year. Information about overdraft pricing in the period between 1 July 2021 and 30 September 2021 Product Advertised APR during the period11 Barclays Bank Account Personal Overdraft 35.0% Premier Current Account12 19.5% Student Additions Account 0.0% Higher Education Account 0.0% Barclays Bank Account Executive Overdraft 35.0% Barclays Bank Account Premier Card Overdraft (off sale) 35.0% Barclays Bank Account with Tech Pack (off sale)13 51.6% Barclays Bank Account with Travel Pack (off sale)14 48.7% Barclays Bank Account with Travel Plus Pack (off sale)15 56.7% Barclays Bank Account with Home Pack (off sale)16 39.7% Platinum Banking Account (off sale)17 31.8% Premier World Account (off sale)17 31.8% Flexible Bank Account Base Rate Linked Overdraft (off sale)10 35.0% Flexible Bank Account Personal Overdraft (off sale) 35.0% The requirement to publish the Competition and Markets Authority independent service quality survey results for personal current accounts can be found at https://www.barclays.co.uk/current-accounts/service-quality-metrics. Important information Direct contact with a suitably trained member of staff.Return to reference Contact available via at least one of the three channels listed.Return to reference Requires customer registration for Barclays Online Banking.Return to reference You must be registered for, and use the latest version of the Barclays app. Terms and conditions applyReturn to reference Using Async Chat, Direct call or Video banking (if you're registered).Return to reference When you pay in a Barclays cheque using the Barclays app, you’ll see the payment on your account almost instantly, but the money won’t be available until it’s cleared and appears in your available balance. If you pay in a cheque before 4pm on a weekday (Monday to Friday, excluding bank holidays), it will clear by 11:59pm the next weekday.Return to reference Total incidents may be higher or lower than the sum of telephone, mobile and internet banking incidents. This will happen when (a) a single incident affects more than one of those channels or (b) an incident affects another system only.Return to reference You can provide most of your details online if a visit to a branch is needed.Return to reference You should make an appointment to avoid delays, although it may not always be necessary.Return to reference The interest rate is not a tracker rate.Return to reference All APRs assume an overdrawn balance of £1,200.Return to reference APR includes £500 interest-free overdraft.Return to reference APR includes £100 interest-free overdraft and monthly Tech Pack fees of £14.50.Return to reference APR includes £100 interest-free overdraft and monthly Travel Pack fees of £12.50.Return to reference APR includes £100 interest-free overdraft and monthly Travel Plus Pack fees of £18.00.Return to reference APR includes £100 interest-free overdraft and monthly Home Pack fees of £6.00.Return to reference APR includes £100 interest-free overdraft.Return to reference Current accounts Savings accounts ISAs Loans Mortgages Mortgage calculator Insurance Credit cards Home and contents insurance Help and FAQs Switch to Barclays How to report fraud Protect yourself from scams Important information Accessibility Privacy policy Cookies Security Careers Find a branch Service status Send us a message Find us on Twitter Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority. Registered office for all: 1 Churchill Place, London E14 5HP Cookies We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our cookie policy. Collecting this data helps us provide the best experience for you, keeps your account secure, helps us provide social media features and allows us to personalise advert and service message content. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Preferences'. Preferences Accept All