Switching to Barclays

Barclays Bank Account

  • A straightforward bank account
  • Online, in branch and phone banking
  • Shape your account to suit your life in the Barclays Features Store
  • Contactless debit card to make payments easier and faster (subject
    to status)
  • Access your account through Barclays Mobile Banking
  • A network of more than 1,500 branches
  • Free Text Alerts to help keep you in control of your money

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.

Important information about compensation arrangements

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 2 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 scheme, including the amounts covered and eligibility to claim, please ask in a branch, refer to FSCS.org.uk or call 020 7741 4100 or 0800 678 1100.

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.

Terms and conditions

Select the links below for more information about our bank accounts.

Terms and conditions for Personal customers 690 KB 1 Summary of changes 3.26 MB http://www.barclays.co.uk/images/7ds/tandcs.pdf

Important information

1. To view PDFs, you'll need a PDF file viewer installed on your computer.

What is the current account switch service?

It's a free service that lets you switch your main current account (the account you use for your day-to-day banking, and your salary etc is paid into) from one participating bank or building society to another. It's been designed to be simple, reliable and hassle-free and, if you choose the full switch option it's backed by The Current Account Switch Guarantee.

What happens to payments that people send to my old account?

As part of the full switch, we'll set up a 36-month redirect from your old account to your new one.

Is there a helpline I can call?

For all switch queries – either to us or from us to another bank – please call 0333 202 7458. Lines are open 9am-6pm Monday to Friday and 9am-5pm on Saturdays. Call charges

What is a funding limit?

A funding limit is the maximum amount you'd like us to transfer to your old bank to clear an overdraft or overdrawn balance. You'll need to deposit this amount into your Barclays account, or have an overdraft in place with us, for the day of the switch. We'll then transfer an amount up to the funding limit you choose here to your old account. You'll be able to change this amount up until 5pm on day 6 of the switch process in-branch. We'll need to agree to the amount you choose and it'll need to be enough to clear any overdrawn balance or overdraft for us to be able to close your old account.

Can I get an overdraft on my new account?

We do offer overdraft facilities on our current accounts but these are not available with online applications. If you need an overdraft on your new Barclays current account as part of your switch, please visit a branch.

What's the difference between a full and partial switch?

Full switch

  • We'll move all your regular credit and debit payments, such as Direct Debits, standing orders, bills and your salary, to your new Barclays account
  • We'll close your old account for you
  • We'll also set up a 36-month redirect for any credits or debits from your old account to your Barclays one, so you won't have to worry about us missing anything
  • Full switch is covered by the Current Account Switch Guarantee
  • After you apply, you'll have 5 working days to visit a Barclays branch and confirm your identity so the switch can start. The process completes 7 working days after this

Partial switch

  • We contact your old bank for a list of your debit payments for the account you're switching from
  • You select those you want us to move to your Barclays account
  • We leave your old account open
  • We won't be able to switch any individual future-dated payments
  • You'll need to arrange the transfer of any credit payments (eg, your salary) to your new Barclays account
  • It takes longer than 7 working days and isn't covered by the Current Account Switching Guarantee

How can I check that the switch has been completed?

We'll contact you to let you know when the switch has been completed. This is when any money coming from your old account will be available. However, your Barclays account will be ready to use as soon as you open it.

Could my switch application be rejected? What happens then?

Your switch could be rejected if the personal details you gave us when you opened your Barclays account don't match those held by your old bank for your other account. If you think they might be out of date, please update your details with your old bank. Also, if you apply for a full switch, you have 5 working days to visit a Barclays branch and confirm your identity. If you don't do this, the switch process can't go ahead. If your switch is rejected, you can re-apply but should make sure you've taken the necessary steps to ensure it doesn't fail again.

Before you start

  • The account name, number, sort code and debit card, if you have one, for the account you're switching from
  • If your personal details for that account don't match your current ones, the switch will fail. Please make sure you update them with your old bank before you begin

Completing the application

  • You just need your personal details – full name, date of birth, address, country of residence and nationality
  • If you've applied for a full switch, you'll need to visit a Barclays branch within 5 working days so we can verify your identity
If you are a new customer switching your personal current account to Barclays, you can apply for a 3 month fee-free overdraft facility, making switching to Barclays even easier. We may be able to match your existing overdraft limit, simply tell us what your current overdraft limit is and we’ll see if we can match it† (subject to status and income verification). After 3 months, you’ll then pay the daily fee applicable to the type of account you hold, you will not be able to apply for another fee-free overdraft offer for that account.

Representative example (applicable to a Barclays Bank Account):
For the first 3 months: up to £5,000 – fee-free
If you use an overdraft of £1200 you will be charged £0 per day when you use it.
After 3 months: up to £5,000 –
Overdrawn balance Daily fee
Up to £15 Buffer – No fee
Over £15 and up to £1000 75p per day
Over £1000 and up to £2000 £1.50 per day
Over £2000 £3 per day

Representative Example

If you use an overdraft of £1200 you will be charged £1.50 per day when you use it.

Unfortunately, it isn't possible to apply for an overdraft online. If you would like to apply for one when you switch, please visit a branch, where we can do it all for you.

Important information
1. To benefit from this offer you must have an existing arranged overdraft with your old bank, have conducted your existing account well and have made regular monthly payments to your account. The maximum overdraft limit which can be matched will be no more than the lowest monthly total paid into your existing current account over the previous 6 months, or £5,000 if lower. Overdrafts are repayable on demand.
Offer may be withdrawn at any time without notice.

Switch agreement
Download PDF

Partial switch service guide
Download PDF

Ready for change? Build a current account that's shaped around you. Switch to Barclays - it's simple 

and safe
Mobile phone displaying the Barclays pingit for mobile app

Instant Debit Card Replacement

If your debit card is lost or stolen, over 250 of our branches can give you a new one on the spot.

once you've visted a Barclays branch to confirm your identity in 5 working days of applying, we'll contact your old 

bank to get the process underway

Instant Debit Card Replacement

If your debit card is lost or stolen, over 250 of our branches can give you a new one on the spot

Barclays Features Store

An interactive hub that lets you shape your account with Features and Packs to suit your life

Barclays Cloud It

Safely upload, store and manage your important documents, and access them wherever you are

Barclays Mobile Banking

Securely manage your Barclays account on the go with our smartphone app

Barclays Personalised Card

Upload your favourite picture or choose one from our online gallery to personalise your debit card

Money Tools

Free interactive services designed to help you manage your money and plan budgets effectively

To start your switch to Barclays, select the type of account you would like to apply for.

Earn over £75,000 a year?
View our Premier Current Account

Get access to a range of services and rewards, including a dedicated Premier Relationship Manager, travel benefits and a black Premier Banking debit card.

To start your switch to Barclays, select the type of account you would like to apply for.

View our Barclays Bank Account