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Personal overdraft fees

The fees shown here are variable, which means we can change them – although we will let you know before we do this. Overdrafts, including fee-free amounts, are subject to status and application, so the amount offered may be different to that shown in the examples in this section.

Daily fees are calculated on the daily statement balance and charged to your account monthly as follows.


 

Account type Fees payable Representative example

Barclays Bank Account

Daily fees are charged on all balances within an arranged overdraft limit.
The daily fees are as follows:
Up to £1,000 - 75p per day
Over £1,000 up to £2,000 - £1.50 per day
Over £2,000 - £3 per day
The maximum arranged overdraft is £5,000.

Up to £5,000 (subject to application and status). If you use an overdraft of £1,200, you will be charged £1.50 per day when you use it.

Barclays Bank Account with Overdraft Tier

No daily fees are charged on arranged overdrafts up to £200. When you go over your £200 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are as follows:
Up to £200 - No fee
Over £200 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
The maximum arranged overdraft is £5,000.

Fee-free overdraft up to £200 (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 per day when you use it.

Premier Current Account

No daily fees are charged on arranged overdrafts up to £1,000. When you go over your £1,000 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are 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

Fee-free overdraft up to £1,000 (subject to application and status) while you stay within that limit. Up to £1,000 fee-free. If you use an overdraft of £1,200, you will be charged £1.50 a day when you use it.

Executive Overdraft

Daily fees are charged on all balances within an arranged overdraft limit.
The daily fees are as follows:
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

Up to £5,000 (subject to application and status). If you use an overdraft of £2,200, you will be charged £3 per day when you use it.

Student Additions Account

No daily fees are charged on arranged overdrafts up to £2,000. When you go over your £2,000 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are as follows:
Up to £2,000 - No fee
Over £2,000 - £1 per day
The maximum arranged overdraft is £3,000.

Fee-free overdraft up to £2,000 (subject to application, status and residency) while you stay within that limit. Up to £2,000 fee-free. If you use an overdraft of £2,200, you will be charged £1 a day when you use it.

Graduate Additions Account

Available fee-free overdraft depends on year of graduation as follows:
 

  • Year 1: up to £3,000
  • Year 2: up to £2,000
  • Year 3: up to £1,000
  • Year 4: up to £500
  • Year 5: up to £200
Daily fees are charged on the whole balance of an arranged overdraft above the fee-free limit. The daily fees are as follows:
Up to £1,000 - 25p per day
Over £1,000 and over £2,000 - 50p per day
Over £2,000 - £1 per day
The maximum arranged overdraft is £3,000.

 

Fee-free overdraft up to £3,000 (subject to application and status) while you stay within that limit. For your 2nd year after graduation: Up to £2,000 fee-free. If you use an overdraft of £2,200, you will be charged £1 a day when you use it.

Higher Education Account

Available fee-free overdraft depends on year of graduation as follows:
 

  • Year 1: up to £1,500
  • Year 2: up to £1,000
Daily fees are charged on the whole balance of an arranged overdraft above the fee-free limit. The daily fees are as follows:
Over £1,000 and up to £2,000 - 50p per day
Over £2,000 - £1 per day
The maximum arranged overdraft is £3,000.

 

Fee-free overdraft up to £1,500 (subject to application and status) while you stay within that limit. For your 1st year after graduation: Up to £1,500 fee-free. If you use an overdraft of £1,800, you will be charged 50p a day when you use it. Lower fee-free limit applies in 2nd year.

Current Account Plus
(no longer on sale)

No daily fees are charged on arranged overdrafts up to £300. When you go over your £300 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are as follows:
Up to £300 - No fee
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
The maximum arranged overdraft is £5,000.

Fee-free overdraft up to £300 (subject to application and status) while you stay within that limit. Up to £300 fee-free. If you use an overdraft of £1,200, you will be charged £1.50 a day when you use it.

Additions Active
(no longer on sale)

No daily fees are charged on arranged overdrafts up to £300. When you go over your £300 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are as follows: Up to £300 - No fee
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
The maximum arranged overdraft is £5,000.

Fee-free overdraft up to £300 (subject to application and status) while you stay within that limit. Up to £300 fee-free. If you use an overdraft of £1,200, you will be charged £1.50 a day when you use it.

Premier Life Account
(no longer on sale)

No daily fees are charged on arranged overdrafts up to £1,000. When you go over your £1,000 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are 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

Fee-free overdraft up to £1,000 (subject to application and status) while you stay within that limit. Up to £1,000 fee-free. If you use an overdraft of £1,200, you will be charged £1.50 a day when you use it.

Additions
(no longer on sale)

No daily fees are charged on arranged overdrafts up to £250. When you go over your £250 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are as follows:
Up to £250 - No fee
Over £250 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
The maximum arranged overdraft is £5,000.

Fee-free overdraft up to £250 (subject to application and status) while you stay within that limit. Up to £250 fee-free. If you use an overdraft of £1,200, you will be charged £1.50 a day when you use it.

Additions Plus
(no longer on sale)

No daily fees are charged on arranged overdrafts up to £250. When you go over your £250 limit, daily fees are charged on the whole balance of your arranged overdraft.
The daily fees are as follows:
Up to £250 - No fee
Over £250 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
The maximum arranged overdraft is £5,000.

Fee-free overdraft up to £250 (subject to application and status) while you stay within that limit. Up to £250 fee-free. If you use an overdraft of £1,200, you will be charged £1.50 a day when you use it.

Our fees when you exceed your limits

These are charges you can avoid by planning and by managing your account carefully.

When you ask us to make a payment, you must have the money (including any available overdraft, Emergency Borrowing or any buffer we give you) in your account to cover the payment at 3pm on the day the money is due to go out.

If we refuse the payment because you don’t have the money to cover it, then we'll charge you an Unpaid Transaction Fee of £8 per day for our service of considering the requested payment and, where necessary, dealing with the other bank.

You won’t be charged more than one Unpaid Transaction Fee in any one working day no matter how many items are returned unpaid.

How and when fees will be taken from your account

  • Fees will be taken from your account monthly
  • Overdraft and Emergency Borrowing daily fees are calculated on the daily statement balance
  • An Unpaid Transaction Fee is incurred on the day a transaction is returned unpaid
  • We will give you at least 14 days' advance notice on your statement of the total amount of any of these fees that will be taken from your account
  • We work out the monthly charging period from the date you chose for your statement frequency. The monthly charging period always closes 2 days before the date we issue your statement.

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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