This account is no longer on sale
You can apply for a Barclays Bank Account and then use our new online Features Store to add Features such as Travel Insurance, Mobile Phone Insurance, Text Alerts, Online Statements and much more.
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 that carry a monthly fee.
Worldwide Travel Insurance
Each account holder and his/her domestic partner must be under 70 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.
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. 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.
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.
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.
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.
and inheritance tax brochure.
Barclays Personalised Cards for free with an image of your choice.
Contactless debit card to make payments easier and faster.
Barclays loyalty mortgage – get a better deal (subject to status and availability)2
Terms, conditions and exclusions apply to all benefits. Read the policy documents so you know what’s covered and what’s not.
- Fee-free overdraft up to £300 1
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:
- Over £300 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
Representative example: Fee-free overdraft up to £300 (subject to application and status) while you stay within that limit. If you use an overdraft of £1,200, you’ll be charged £1.50 a day when you use it.
Ways to bank
- Online Banking
- Telephone Banking
- Mobile Banking
- Debit cards
- Free Text Alerts – with free Near Limit Alert text messages
- A network of more than 1,500 branches
Activate your benefits
|Account benefit||Registration needed?||How to register|
|Personalised Debit Card||Yes||You can register online|
||No||You're automatically registered
When you need to make a general claim or obtain advice, call the 24 hour claims helpline 4 on 0800 158 2385 or (+44) 1603 603 336 if calling from abroad.
|Comprehensive RAC Breakdown Cover||No||You're automatically registered
If you have a breakdown in the UK, Guernsey, Jersey or the Isle of Man, call 0800 316 7820 (UK) quoting Additions Active 4.
If you have a breakdown in Europe, call (+44) 161 210 3130 quoting Additions Active (applies to the designated European countries).
|Legal services||No||You're automatically registered
When you are ready to use this service, call the Additions Active helpline 4 on 0800 99 44 22 and select the legal helpline option to speak to one of our team.
|Your overdraft||No||Remember that all Additions Active overdrafts and Emergency Borrowing facilities are subject to application and status and are repayable on demand. Apply for an overdraft|
|Mobile phone insurance||Yes||You can register online or call the Additions Active helpline 4 on 0800 99 44 22 and select the mobile phone insurance option.|
|Extended warranty cover||Yes||Please call the Additions Active helpline 4 on 0800 99 44 22 and select the extended warranty option to arrange for an extension of the warranty on a new purchase.|
|Will-writing service||Yes||Please call the Additions Active helpline on 0800 99 44 22 and select the legal helpline option 4.|
|Gadget insurance||Yes||You can register online or call 0800 99 44 22 4 and select the gadget insurance option.|
|Card Secure||Yes||Please call the Additions Active helpline 4 on 0800 99 44 22. They will send you a pack with everything you need to get set up.|
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|
Worldwide multi-trip family travel insurance
|Comprehensive RAC Breakdown Cover||990 KB|
|Mobile phone insurance||330 KB|
|Extended warranty||580 KB|
|Gadget insurance||360 KB|
|Card Secure||380 KB|
|About our insurance services||640 KB|
|Legal helpline||560 KB|
|Will-Writing service||130 KB|
|Credit Interest Rates for Current Accounts||160 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.
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.
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.