Your cookie settings

Cookies are very small text files that some websites store on your computer when you visit them.

Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences.

We use cookies on our website to make your browsing experience better. By using this website you accept our use of cookies in accordance with the settings below.

Your allowed cookies:

Strictly Necessary are always allowed by default.

Table goes here
More information about cookies

Personal Reserve

Personal Reserve

Find out how our Personal Reserve service can help you cope with life's little emergencies.

Available to Barclays Personal current account holders.

From 16 June Personal Reserve will no longer be available for new customers. We're introducing Emergency Borrowing. The facility will be similar but how you’re charged will be different. Changes to Personal Reserve

What is Personal Reserve?

Personal Reserve is a service that gives you an extra agreed amount you can use if you occasionally need to go overdrawn or exceed your arranged overdraft limit. With it we aim to improve your day-to-day personal banking and help you avoid having transactions returned unpaid — and the associated fees.

A Reserve can:

  • Provide you with an extra agreed amount to help with life’s little emergencies
  • Help you avoid having payments returned unpaid
  • Enable you to make more informed financial decisions
  • Allow you to know exactly what you'll pay to use it

If you stay within your Reserve, all your payments will be met. If you go over your limit, you’ll be charged a fee for each unpaid or paid transaction (up to a maximum of 5 fees a day).

Please remember that the Reserve is always repayable on demand. The maximum Reserve is £2,500, subject to status.

Watch our short video on How Personal Reserve works and read the Personal Reserve FAQs

Reserve Usage Fees

You’ll incur a Reserve Usage Fee of £22 for the first 5 consecutive working days from the day you start using your Reserve.

If you’re still using your Reserve after that time, you’ll pay another Reserve Usage Fee of £22 for each subsequent period of 5 consecutive working days.

To help avoid being charged more than one fee, you can choose to have a free Text Alert sent to your mobile to let you know when you enter your Personal Reserve.

Unpaid and Paid Transaction Fees

If you go over your Reserve, we’ll return your cheques, standing orders or Direct Debits unpaid and you’ll incur an unpaid transaction fee of £8 per day.

If you go over your Reserve and we have to make a payment because it’s guaranteed, you’ll incur a paid transaction fee of £8.

We’ll only charge you one fee (whether for unpaid or paid transactions) per day.

From 16 June we’ll be removing our Paid Transaction Fees. We’ll still make guaranteed payments – we just won’t charge you for them.


Interest payments

To keep things simple, we do not charge interest on sums used from your Reserve.

But if you have an arranged overdraft and exceed your limit (which brings you into your Personal Reserve), you will still pay interest at the applicable rate for the entire balance of your arranged overdraft.

This is how a Personal Reserve would work if you had an agreed Reserve limit of £2,500:

Representative example:
0% interest pa (variable)

Reserve limit – £2,500

One Reserve Usage Fee of £22 for each period of 5 consecutive working days from the day you start using your Reserve.

Personal Reserve is subject to status and application and is repayable on demand.

From 16 June we’ll no longer be charging interest on our overdrafts - instead there will be a simple daily fee. Read more about our overdraft changes  

Cancelling a Personal Reserve

You can cancel your Personal Reserve by speaking to a member of staff at your nearest branch or by calling us on 03457 345 345 .

Important information
1. To maintain a quality service, we may monitor or record phone calls. Read our call charges and information

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 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.


Barclays Premier League

Proud sponsors of the Barclays Premier
League & the Barclays ATP World Tour Finals

Barclays APT  World Tour Finals

Financial Services Compensation Scheme. Protecting your money. Find out more here.