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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 


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 over 800 airport lounges 8 around the world, discounts at participating airport restaurants 9, and treatments at over 40 airport spas and nail bars. Including 6 free visits 10 within each membership year, which can be used by the registered member and their accompanying guests.

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 £990 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

Here’s the important information you need to know about Premier Life 25.

Premier Life 25 Welcome Pack

2.79 MB
Personalised Debit Card Full details
Credit Interest Rates for Current Accounts 160 KB
Benefits you need to register for
Mobile phone insurance
Register Online
Airport lounge access
To access these benefits, you must register via your Traveller app, online or by phone on 0333 220 5599.
If you wish to use your Airport Services benefits within 72 hours of taking up a new pack, please call 03457 345345
Premier Life 25 gadget insurance
Register Online
Card Secure
Call 0800 111 777 5 to register
Life's Rewards
Please wait until your Premier Life Welcome Pack has arrived before attempting to register
Register Online
MarketMaster account from Barclays stockbrokers
Register Online
Will-writing service
Register Online
Extended warranty cover
Call 0800 111 777 5 to register (select the Extended warranty option)
Children's health cover
To register or to receive more information call 0800 111 777 (select the child healthcare option)
Benefits you are automatically registered for
RAC Breakdown Cover  
Travel insurance  
24 hour legal helpline  
Worldwide lifestyle management service



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.

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.
7. Your eligible deposits with Barclays Bank PLC are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
Please click here for further information www.fscs.org.uk .
8. Access to lounges is subject to availability, and lounges may limit access at busy times if they’re full.
9. The airport restaurant discount scheme is in addition to the lounge/spa/nail bar visits and can be used whenever you choose.
10. A visit means 1 entry to an airport lounge or 1 free spa or nail bar treatment per person. For instance, a sole account customer travelling alone could visit an airport lounge a maximum of 6 times, or enjoy a maximum of 6 free spa or nail bar treatments. Joint account customers could visit an airport lounge together or enjoy 3 free spa treatments together (a total of 6 visits).