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Premier Life 25

Premier Life

This account is no longer on sale

  • If you meet the eligiblity conditions for Premier Banking you can apply for a Premier Current Account and then use our new online Features Store to add the Features that suit your lifestyle
  • All benefits are subject to terms, conditions, exclusions & limitations. Please read the policy documents to ensure you know what's covered and what's not. Some Features come as part of Packs which carry a monthly fee 

Summary

Premier Life 25 is for customers who don't meet the eligibility criteria for Premier Banking. Find out about the benefits of our Premier Banking Services and see if you’re eligible to apply. 

Worldwide Travel Insurance including business travel
Each account holder and his/her domestic partner must be under 80 years of age at the start date of any trip. Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to and accepted by our Medical Assessment team. All trips must start and end in the UK and last no longer than 31 days

Comprehensive RAC Breakdown cover in the UK and Europe
Includes Roadside, Recovery, At Home, Onward Travel and European cover. Account holder must be with the eligible vehicle when you ask for RAC’s help. No cover for commercial vehicles, trailers, caravans or the cost of parts. European cover is only available to vehicles up to 11 years old.

Airport Lounge Access
Enjoy access to 560 airport lounges worldwide, with up to 6 visits every year, which can be shared with immediate family including children (one adult must be a Barclays Airport Angel member). One membership will be issued for joint account holders and more than 6 visits will be charged at £15 per person per visit. A visit means one entry to an airport lounge per person.

Mobile Phone Insurance
Worldwide cover for your mobile or smartphone against loss, theft, breakdown and accidental damage Up to 2 handsets covered for joint accounts The maximum individual retail cost or value of each mobile phone that can be registered for cover is £1,000 including VAT The policy excess varies depending on the type of mobile phone you are claiming for. Maximum of 2 successful claims per account holder within a 12 month period.

Gadget Cover
Worldwide cover for tablets, laptops, camcorders, cameras, MP3 players and more. Protection for up to £750 in total against theft, breakdown, accidental and malicious damage. Loss is not covered. Cover starts immediately after registration. The policy excess varies depending on the gadget you are claiming for. The excess is £50 if you are claiming for a laptop or tablet and £25 for all other gadgets.

Lifestyle Management Service
Worldwide service that can organise a wide range of things from entertainment to an electrician. Up to 20 requests in a 12–month period. You will need to pay for the costs of the services arranged by the concierge, eg the cost of a hotel room.

Extended Warranty
An additional one year's cover on new domestic appliances, on top of the standard one-year manufacturers' warranties, for breakdown caused by accidental damage. Appliances are replaced on a new-for-old basis. Registration within 90 days of purchase required.

Card Secure
Provided you have already registered, if any of your cards are lost or stolen anywhere in the world you can make one phone call and your missing cards will be cancelled immediately and replacements ordered. No cover for unauthorised transactions which your card issuer may hold you liable for.

Legal and tax helpline No advice will be given in relation to commercial law.

MarketMaster® account from Barclays Stockbrokers

Will-Writing Service and inheritance tax brochure

Barclays Personalised Cards for free with an image of your choice

Black Premier contactless debit card to make payments easier and faster (subject status) with a higher cash withdrawal limit of £750 a day (subject to to available funds)

Barclays loyalty mortgage – get a better deal (subject to status and availability)3

24/7 access to your Premier team over the phone

Relationship Manager

Annual financial review

Premier Online Banking Priority tills in selected branches – find your nearest branch with a Premier counter

 

Overdraft information

Fee-free overdraft up to £1,000 (subject to status)
Daily overdraft fees are charged on your overdraft balance. If you go over the fee-free amount, you’ll be charged on the whole balance of your arranged overdraft 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

Representative example:

Fee-free overdraft up to £1,000 (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 a day when you use it.

 

 

Terms, conditions and exclusions apply to all benefits. Read the policy documents so you know what’s covered and what’s not.

Premier Life

Premier Life is available to Personal Banking customers for £25 a month. However our Premier Banking service allows you to access Premier Life for £17.50 a month if you meet the Premier Banking eligibility criteria.

If you wish to join Premier Banking you must have an annual gross income paid into a Barclays current account of £75,000+ and / or £50,000+ saved or invested through Barclays. Eligibility for Premier Banking will be reviewed regularly. Find out more about Premier Banking

Terms and conditions

Open the document you need by selecting the relevant link from the table below. You can then print or save it to your computer 4
 

Additional Terms and Conditions for Current Accounts

160 KB
Personalised Debit Card Full details
About our insurance services 140 KB
Credit Interest Rates for Current Accounts 160 KB
Benefits you need to register for
Mobile phone insurance
Register Online
1.13 MB

Airport lounge access
Use code BP2265
Register Online

570 KB
Premier Life 25 gadget insurance
Register Online
360 KB
Card Secure
Call 0800 111 777 5 to register
380 KB
Life's Rewards
Please wait until your Premier Life Welcome Pack has arrived before attempting to register
Register Online
520 KB
MarketMaster account from Barclays stockbrokers
Register Online
130 KB
Will-writing service
Register Online
570 KB
Extended warranty cover
Call 0800 111 777 5 to register (select the Extended warranty option)
750 KB
Children's health cover
To register or to receive more information call 0800 111 777 (select the child healthcare option)
1.52 MB
Benefits you are automatically registered for
RAC Breakdown Cover 890 KB
Travel insurance 1.42 MB
24 hour legal helpline 570 KB
Worldwide lifestyle management service 530 KB

 

Build your own current account

You can now choose what features you would prefer by switching to Barclays Bank Account and using our online Feature store to build your personalised current account.

To switch your account, go into your nearest branch or call us on 03457 345 345. .

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 begins on the date your account is opened or the date you receive your terms and conditions and other account information, whichever is the later. If you contact us within this period to cancel or switch your account, we will refund any account fees you may have paid. However, if you cancel or switch your account at a later date, 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, Leicester LE87 2BB.

Your feedback

We want to hear from you if you feel unhappy with the service you've received from us. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers. You can complain in person at your branch, in writing, by email or by telephone. A leaflet detailing how we deal with complaints is available on request in any of our branches, from the Barclays Information Line on 0800 400 100 4 or at www.barclays.co.uk. Alternatively you can write to 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 at South Quay Plaza, 183 Marsh Wall, London E14 9SR (telephone: 08000 234 567). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. Details of those who are eligible complainants can be obtained from the Financial Ombudsman Service.

Important information about the Financial Services Compensation Scheme

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 financial 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.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the website Financial Services Compensation Scheme or call the FSCS on 020 7741 4100 or 0800 678 1100. Please note only compensation-related queries should be directed to the FSCS.

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. Deposits accepted from an eligible depositor under these trading names are combined for the purposes of deposit compensation from the FSCS. The FSCS is not applicable to deposits held at branches in the Channel Islands or the Isle of Man.

Interest rates

Premier Life Account interest rates

Rates are variable and effective from 2 March 2009. Interest is paid on the 1st working day of the month. Interest is earned on the statement balance of your account.

Balance Gross % below
Bank of England
bank rate 7
Gross rate pa% Net rate pa% AER%
£1+ N/A 0.00 0.00 0.00
£25,000+ 3.25 below 0.00 0.00 0.00
£50,000+ 2.50 below 0.00 0.00 0.00
£100,000+ 1.75 below 0.00 0.00 0.00

Important information

1. Overdrafts are subject to status and application so the amount offered may be different to that shown on the example. All borrowing is repayable on demand. The fees shown here are variable, which means we can change them – although we will let you know before we do this.
 
2. The Lending Code: Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards. Further details can be found at: Lending Standards Board
 
3. To qualify for Barclays loyalty mortgages, customers must have an open and active Barclays personal current account that has been credited with a minimum of £800 in each of the last three months. Applications are subject to status and a minimum age of 18.

4. To view Adobe® PDF files you will need Adobe Reader®, available from Adobe Systems Incorporated. Adobe® and Reader® are the registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. For more information on accessibility please see the Adobe Accessibility site.

5. To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad. Call charges

6. Figures assume Bank of England Bank Rate to be 0.50%. Premier Life Accounts with a balance of £25,000 or more, receive an interest rate that tracks below Bank of England Bank Rate by a guaranteed percentage rate, see above. Bank of England Bank Rate is variable. When Bank of England Bank Rate is 1.75% or below, interest may not be paid. Bank of England Bank Rate is currently 0.50% and therefore no interest is being paid under the account terms. In the event that Bank of England Bank Rate increases to the extent that credit interest is due and payable under the account terms, the ‘tracking’ interest rates will apply from that time.

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


 

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