Unsure what to search for? Other customers found these helpful.

Text Alerts terms and conditions

Mobile Banking Text Alerts Service


Additional Conditions

These additional conditions relate to the SMS Alert and Notification Service and supplement and amend the general conditions of your Customer Agreement with us (Barclays Bank PLC). In the event of any inconsistency between these additional conditions and the general conditions of the Customer Agreement, these terms will apply in relation to the SMS Alert and Notification Service (the 'service').


1. General Service Provision

1.1 The provision of this service involves our sending you text notifications and alerts including information about your current and savings accounts through your mobile phone. Details of these text based services can be obtained from our Online banking website www.barclays.co.uk/textalerts or on request from 0345 6002323 or at any Barclays branch1. To maintain a quality service, we may monitor or record phone calls.

1.2 Any and all information supplied under this service is additional to and does not replace the information we make available to you in accordance with the Customer Agreement.

1.3 To be eligible for text notifications and alerts, you must hold a Barclays current or savings account. You can register online, over the phone or via any Barclays branch. Text notifications are only available if you hold an account where authorisation from any one of the authorised signatories on the account is required, they are not available if you require authorisation by all or more than one of the authorised signatories on the account for it to be operated. To register online you must have full Online Banking access, you are unable to register if you have Third Party Access or Limited Access.

1.4 We will only allow you to register one mobile number with us at any time. This will apply to all of your accounts. However, joint account holders/multiple users to one account, may each register for text notifications and alerts and receive information about the joint account/business account and their other accounts. If you are registered to receive text notifications and alerts about more than one account you will be asked to use a reference of up to five characters to differentiate between the accounts.

1.5 We will send information about your current and savings accounts, including those in joint names, to a mobile phone registered with a United Kingdom (UK) network operator. We are unable to send a text message to a fixed- line telephone, a computer capable of receiving text messages or a 'virtual’ mobile phone number beginning with '07'.

1.6 We will only send you each text once. If you delete a text we cannot send it again.

1.7 We will start sending text notifications and alerts within 48 hours of first registration for the service.

1.8 You can ask us to temporarily suspend your alerts and notifications at any time online over the phone or in any Barclays branch. Suspension will apply to the text alert service for all your accounts. Text notifications and alerts will cease within 24 hours of suspension.

1.9 You can change the alert settings of your service in any Barclays branch, over the phone or in Online Banking using PINSentry.

1.10 Text messages sent using this service will not include your account details or other personal information.


2. Charging

2.1 All messages are currently free but we may apply or introduce new charges on 2 months personal notice.

2.2 You will be responsible for charges made by your mobile phone operator, so ensure you check with them about any charges that could apply.


3. Cancellation

3.1 If you wish to stop receiving text notifications and alerts you’ll need to cancel your registration for text notifications and alerts. This can be done through Online Banking, the Online Banking app on your phone, by phoning Barclays or visiting a Barclays branch. The exception is the Unpaid Transactions alerts, which can only be cancelled on the phone or in branch.

3.2 We can decide to withdraw the service by giving you at least two months’ notice in writing. We can decide to withdraw the service with immediate effect without prior notice to comply with the law, to protect security or to combat fraud or on any ground as set out in the Customer Agreement.


4. Other operational notifications

4.1 If you are registered to receive 1 or more of the above text alerts, we may from time to time send other operational messages about your account to your registered mobile phone.


5. General Provisions

5.1 We will not be liable if text notifications and alerts are unavailable at any time because of repairs, updates and routine maintenance on our systems (and those of our suppliers) or for any reasons that we cannot control. We will not be liable if you don’t receive text notifications or alerts for reasons within your control – your phone being switched off, there is no network coverage or you change your phone, for example. We will also not be liable if we fail to receive any instructions from you, or receive them too late to carry them out, for any reason outside our control.

5.2 You are responsible for making sure no one has access to confidential information shown on (or stored in) your mobile phone. If your phone is lost or stolen, or if you change your number or network operator, it is your responsibility to ask us to suspend your text notification and alerts as soon as possible. Otherwise we will continue to provide text notifications and alerts to the mobile number you have registered for the service. We will not be liable if your account information becomes known to someone because you do not notify us or if the registration information you gave us is incorrect.

5.3 If it becomes apparent to us that text notifications are not being received by your mobile phone, we may suspend the service to you with immediate effect. We will write to inform you of the suspension and of our reasonable requirements for validating the mobile information we hold in relation to you within 3 working days after the suspension. Once your mobile phone information has been validated by you, the service will be reinstated within 2 working days.

5.4 If you register for text alerts that we subsequently fail to provide (or we provide text alerts that are inaccurate) we will only be liable for any charges on your account that you could otherwise have avoided paying.

5.5 We may send to you, by SMS, post or e-mail, from time to time, information about the service  explaining how the service works and any steps that you need to take in relation to the service.

5.6 We can vary these additional conditions at any time on the basis set out in your Customer Agreement.

The following alerts are available for Personal, Premier and Business customers with current accounts only
Alert Alerts description Timing Additional information Example message
Low balance alert Informs you any time your current account balance is lower than the limit specified Text messages will be sent 7 days a week if applicable between 8.35am and 4.05pm based on balances taken approximately an hour before the alert is sent You’ll receive one text when the account balance is equal to or lower than the specified limit. The lowest trigger balance you can select is £10; there is no maximum

Your balance is now @BALANCE@ on account @ACNAM@. You can check your transactions by mobile, online, telephone or visit us in branch


Visit www.barclays.mobi/app

 

Overdraft(s) and Emergency Borrowing alerts – Overdraft Tier Lets you know when you’ve gone overdrawn so you can pay in money to avoid daily overdraft fees Text messages will be sent 7 days a week if applicable between 8.35am and 4.05pm based on balances taken approximately an hour before the alert is sent If your balance is within the £15 buffer of your overdraft then no charges will be applied.
You could receive multiple text alerts if your account moves between overdraft tiers throughout the day. For example, you could receive an alert at 8.35am when you’re using your overdraft up to £1,000. If you continue spending and this takes you over £1,000, you’ll receive a second text informing you that you’ll be charged a higher daily overdraft fee.
If your current account offers a fee-free overdraft limit you’ll also receive this alert even within the fee-free limit to help you manage your account.

Overdraft fees by tier 850 KB

Your account @ACNAM@ is overdrawn. To avoid possible daily overdraft fees, please check your balance and if required transfer sufficient funds today by 18.30
 

 

Overdraft(s) and Emergency Borrowing alerts – Exiting Overdraft Tells you that you’re approaching your overdraft limit and advises you to pay in money to avoid fees Text messages will be sent 7 days a week if applicable between 8.35am and 4.05pm based on balances taken approximately an hour before the alert is sent This alert is triggered when your balance is -10% of your overdraft limit. For instance, if your overdraft limit is £1,000 this alert will be sent if your balance is £900 that day

Your account @ACNAM@ is in Emergency Borrowing. To avoid a fee of £5 per day please transfer sufficient funds today by 18.30.

barclays.co.uk/understandfees

 

Overdraft(s) and Emergency Borrowing alerts – Avoid Emergency Borrowing Fee Tells you that you’ve exceeded your overdraft limit and are now using your Emergency Borrowing, and advises you to pay in money to avoid fees Text messages will be sent 7 days a week if applicable between 8.35am and 4.05pm based on balances taken approximately an hour before the alert is sent If you have an arranged Emergency Borrowing facility, we give you a buffer of £15. There may be times when you receive this alert while you’re within the £15 buffer but no charges will apply.
If you go into your Emergency Borrowing by more than this amount, we’ll charge you an Emergency Borrowing fee of £5 per day.
This fee is capped at 7 days in each monthly charging period, so using your Emergency Borrowing will never cost you more than £35 per month. However, if you have an overdraft, you’ll be charged the highest daily fee that applies to your overdraft for the remainder of the monthly charging period.
Overdraft fees by tier 850 KB

Your account @ACNAM@ is in Emergency Borrowing. To avoid a fee of £5 per day please transfer sufficient funds today by 18.30.

barclays.co.uk/understandfees

 

Overdraft(s) and Emergency Borrowing – Maximum Emergency Borrowing Fee Tells you that you’ve incurred the maximum Emergency Borrowing fees for the charging period, but that other fees may apply Text messages will be sent 7 days a week if applicable between 8.35am and 4.05pm based on balances taken approximately an hour before the alert is sent This awareness alert is sent where you’ve incurred the maximum £35 Emergency Borrowing charges within the charging period. However, if you have an overdraft, you’ll be charged the highest daily fee that applies to your overdraft for the remainder of the monthly charging period.

Overdraft fees by tier 850 KB

Your account @ACNAM@ has incurred the maximum £35 charge for Emergency Borrowing in this charging period. Other fees may apply.

barclays.co.uk/understandfees

 

Ways to avoid borrowing fees alert Offers support to help you manage your finances better if we see that you’re paying regular borrowing fees Text messages will be sent Tuesday to Saturday (excluding Bank Holidays) at 2pm daily This is an awareness alert to offer you the opportunity to talk to us about reducing or avoiding regular borrowing fees.
For more information on tools and tips to help you manage your money visit

barclays.co.uk/moneymanagement

We can see you pay regular borrowing fees. If you need our help or support with your finances, talk to us or visit

barclays.co.uk/moneymanagement

 

Large credit alert Tells you when a large sum is credited to your account which is higher than the value you selected Text messages will be sent Tuesday to Saturday based on transactions and your balance at close of business the previous working day. For the purposes of these conditions, working day means Monday to Friday (excluding public holidays and weekends). No text messages will be sent Sundays and Mondays. Texts will normally be sent between 7:30am and 9am You’ll be asked to specify the limit(s) at which a text will be triggered (minimum £150). If a transaction equal to or greater than the specified limit is credited to the account during the previous working day, a text message will be sent the next day. Multiple alerts may be shown together in a single text.

Large Credit Alert
DDMMM HH:MM
NAME5 BGC
£XXX.XX+
End of day balance
END

Visit www.barclays.mobi/app

 

Large debit alert Tells you when a large sum is debited from your account which is higher than the value you selected Text messages will be sent Tuesday to Saturday based on transactions and your balance at close of business the previous working day. For the purposes of these conditions, working day means Monday to Friday (excluding public holidays and weekends). No text messages will be sent Sundays and Mondays. Texts will normally be sent between 7:30am and 9am You’ll be asked to specify the limit(s) at which a text will be triggered (minimum £150). If a transaction equal to or greater than the specified limit is debited from the account during the previous working day, a text message will be sent the next day. Multiple alerts may be shown together in a single text.

Large Debit Alert
DDMMM HH:MM
NAME5 BBP
£XXX.XX+
End of day balance
END

Visit www.barclays.mobi/app

 

Non-UK debit alert Informs you when your Barclays card is used to make overseas payments to help protect against fraudulent transactions Text messages will be sent Tuesday to Saturday based on transactions and your balance at close of business the previous working day. For the purposes of these conditions, working day means Monday to Friday (excluding public holidays and weekends). No text messages will be sent Sundays and Mondays. Texts will normally be sent between 7:30am and 9am This alert will only be generated for transactions carried out using a debit card issued on your account. You’ll be alerted when your Barclays debit card is used to make a payment outside of the UK. For the purpose of this service, Gibraltar, Channel Islands and Isle of Man will be treated as outside the UK.

Non UK Debit Payment Alert
DDMMM HH:MM
NAME5 BCC £XXX.XX-
End of day balance
£XXX.XX
END

Visit www.barclays.mobi/app

 

Online statements alert Lets you know when your online statement is ready to view Text messages will be sent Tuesday to Saturday based on transactions and your balance at close of business the previous working day. For the purposes of these conditions, working day means Monday to Friday (excluding public holidays and weekends). No text messages will be sent Sundays and Mondays. Texts will normally be sent between 7:30am and 9am This alert is only available if you’ve registered for Online Statements through Online Banking.

Online Statement Alert
NAME5 Your statement
from DDMMM
END

Visit www.barclays.mobi/app

 

The following alerts are available for Personal and Premier customers with current accounts only
Alert Alerts description Timing Additional information Example Message
Weekly balance alert Provides weekly updates on the day you specify of your account balance and up to the last 5 transactions Weekly text sent on whichever day you specify, except for Monday and Sunday The account information is based on the latest transactions and closing balance from the previous working day. In addition to the balance, the message contains the date and amount of the transaction, with our standard 3-letter abbreviation for the transaction type (ie, STO/DDR/BGC etc). In cases where the abbreviation is not available, the transaction debit or credit abbreviations (DR/CR) will be provided

End of day balance
NAME5 DDMMM £XXXX+
*DDMMM BBP £XXX-
*DDMMM REV £XXX-
*DDMMM ATM £XXX-
*DDMMM BCC £XXX-
*DDMMM BBP £XXX-
END

Visit www.barclays.mobi/app

 

Unpaid transaction alert Tells you when there's not enough money in your account to cover a transaction (eg a cheque, standing order or Direct Debit), and advises you how to avoid the fee Text messages will be sent at 7.30am Monday to Friday using the running balance at the start of that day. The cut off to transfer funds is 3pm to avoid the Unpaid Transaction fee of £8. Only one fee is charged per day, regardless of the number of items unpaid that day.
There is a buffer of £15 before we return any unpaid items, so there may be instances where you receive an alert while in the buffer but you won't be charged

Your account @ACNAM@ has insufficient funds for requested payments. To ensure payments are made and avoid an £8 fee, transfer @AMOUNT@ today by 3pm.

 

Unpaid transaction alert – Over limit due to Paid Item Tells you that you’ve gone over your limit due to a paid item, which we’ve paid even though you don't have enough money in the account Text messages will be sent at 7.30am Monday to Friday using the running balance at the start of that day If you exceed your limits, you’ll be charged the daily overdraft fee for the relevant tier or Emergency Borrowing if you have these facilities on your account. There is a buffer of £15 before any charges are applied.
No charges will be applied if you don’t have an overdraft or Emergency Borrowing facility on your current account

Your account @ACNAM@ has exceeded your limits. Transfer sufficient funds as future payments may not be made and fees may apply.

Visit www.barclays.co.uk/understandfees

 

The following alerts are available for Business customers with current accounts Only
Alert Alerts description Timing Additional information Example Message
Paid Referral Fee Alert Barclays Business customers who have registered for a Low Balance alert will also be registered to receive a Paid Referral Fee alert Text messages relating to Paid Referral alerts will be sent Monday to Friday based on transactions and your balance at close of business the previous working day. No messages relating to Paid Referral Fee alerts will be sent Saturdays and Sundays. Texts will normally be sent between 7:30am and 9pm  

Paid Referral Fee £XX-
incurred on NAME5
£XXXXXXXX
Limit £XXXXX
To avoid further charges clear
unauthorised balance
Call 0345 605 2345

 

The following alerts are available for Personal customers with selected Personal Savings accounts only. Details of which accounts offer alerts can be found on our website and in our savings leaflet.
Alert Alerts description Timing Additional information Example Message
Monthly Balance Alert The Monthly Balance Alert is a Monthly text on a date specified by the customer showing the account balance. Monthly text sent on whichever date you specify. We will only send the texts between 07:30 and 21:00 (This includes weekends and Bank Holidays) The account balance is taken live from our systems each morning. In addition to the balance, the message contains the date and account name the balance relates to. MONTHLY BALANCE ALERT
Here’s your savings account monthly balance update.
Current balance DDMON NAME1
£x,xxx,xxx.xx+
END
Below Current Balance alert This alert lets customers know any time their savings account current balance is lower than the value they've chosen. The alert enables the customer to specify a limit to be set as the trigger. The alert will be triggered when the account current balance is less than the limit specified. This alert will be triggered when the account current balance is less than the chosen limit. We will only send the texts between 07:30 and 21:00. If an alert is generated by a transaction later than 21:00 the alert will be sent at 07:30 the following day. This message is 'real time' and will be sent when a transaction triggers the threshold limit. In addition, the messages contains the trigger level and the date, time and account name the balance relates to. BALANCE ALERT
Your savings account current balance is less than
£X,xxx,xxx.xx+
Current balance DDMON TI:ME NAME 1
£X,xxx,xxx.xx+
END
Above Current Balance alert This alert lets customers know any time their savings account current balance is above the value they've chosen. The alert enables the customer to specify a limit to be set as the trigger. The alert will be triggered when the account current balance is higher than the limit specified. This alert will be triggered when the account current balance is higher than the chosen limit. We will only send the texts between 07:30 and 21:00. If an alert is generated by a transaction later than 21:00 the alert will be sent at 07:30 the following day. This message is 'real time' and will be sent when a transaction triggers the threshold limit. In addition, the messages contains the trigger level and the date, time and account name the balance relates to. BALANCE ALERT
Your savings account current balance is more than
£X,xxx,xxx.xx+
Current balance DDMON TI:ME NAME 1
£X,xxx,xxx.xx+
END
Interest Rate Alert This helpful alert lets you know you when the interest rate on your savings account changes. We will only send the texts between 07:30 and 21:00 (This excludes weekends) This alert is sent the day after the Interest Rate Changes NEW INTEREST RATES ALERT
Your account NAME1
The interest rates on PRODUCT NAME
changed on DDMON

Visit www.barclays.co.uk/savings for more details. END