Graduate Additions

Student accounts
  • £7 a month, with added benefits
  • Mobile Phone Insurance
  • Fee-free overdraft up to £3,000 1 4 , depending on year of graduation

Representative example:
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.



RAC Roadside and At Home Assistance in the UK
The RAC will try to fix your vehicle at the roadside and if they can’t solve the problem there, they’ll tow you to an approved garage within 10 miles at no cost. If you break down at home, then they’ll come round to help get you started. Towage up to 10 miles is included. No cover for commercial vehicles, trailers, caravans or the cost of parts.

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. The 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.

Card Secure
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.

Barclays Personalised Cards for free with an image of your choice

Contactless debit cards to make payments easier and faster (subject to status)

Barclays loyalty mortgage – get a better deal (subject to status and availability)3


Overdraft information

Apply for a fee-free overdraft up to £3,000 in your first year after graduation. Lower fee-free tiers apply in future years after graduation.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:
Up to £1,000 – 25p per day
Over £1,000 and up to £2,000 – 50p per day
Over £2,000 – £1 per day
The maximum arranged overdraft is £3,000.

Representative example:
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.

Ways to bank

Already have Graduate Additions? Find out how to make the most of your benefits

All benefits are subject to terms, conditions and exclusions. Please read the policy documents to ensure you know what's covered and what's not.

Open the document you need by selecting the relevant link from the table below. You can then print or save it to your computer 6.

The account costs £7 a month Graduate Additions rates & charges


Student and graduate charges and terms 860 KB

Mobile phone insurance 630 KB
Card Secure 380 KB
About our insurance services 550 KB
Roadside and At Home RAC breakdown cover 290 KB
Legal advice helpline 480 KB


The Data Protection Act
Under the Data Protection Act you have a right of access to certain personal records. Should you wish to exercise this right please write to the Data Protection Team, Barclays Bank PLC, Knutsford, Cheshire WA16 9EU, quoting ref APP99. A fee will be charged for this service.

Disclosure (in relation to insurance cover provided as part of the Barclays Additions packages)
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on proposal form, claims forms and other documents are full and accurate. Please note that if you fail to disclose any information to your insurers, this could invalidate your insurance cover and could mean that part or all of the claim may not be paid.

Governing law (in relation to insurance cover provided as part of the Barclays Additions packages)
If you buy insurance in the United Kingdom, you can choose which law will apply to your policy. Unless you and the Insurer make a written agreement saying otherwise before the policy is issued, the law of England and Wales will apply to this insurance.

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.

The Direct Debit Guarantee
This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. If the amounts to be paid or the payment date changes, you will be told of this in advance by at least 14 days as agreed. If an error is made by the company or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of your letter to the originator/company.

The clearing cycle
For further information on the clearing cycle, and how long it takes, please refer to the Current accounts - our bank charges explained 850 KB leaflet.

Your feedback
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 3 or at 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.

Barclays services and facilities for disabled customers
Full details of our services and facilities for disabled customers (eg induction loops for hearing aid users, cheque-writing templates, bank note gauges, etc) can be found in our brochure Disabled customers - making our services available, which is available in standard print, Braille, large print and audio tape. Phone the Barclays Information Line on (via TextDirect if appropriate) or by ordering online from our Accessible services site.

If you have an existing student account with us, you can apply for Graduate Additions provided that you:

  • Have completed your full-time higher education within the past 3 years
  • Are a permanent resident of the UK 5
  • Have your main current account with Barclays
  • Are 18 years of age or older

If you don’t have an account with us, you can apply for a Graduate Additions account as long as you meet the criteria above and that you:

  • Are in permanent employment or have a firm job offer (minimum 6-month contract)
  • Can provide a degree certificate granted within the past 3 years

This could suit you if:

  • You'd like an overdraft 1
  • You want a graduate account with extras
  • You're a recent graduate

See our alternative accounts if:

  • You're not a recent graduate
  • You'd like even more benefits

Apply for Graduate Additions

  • Already a Barclays customer?
    Call 0333 202 7520 3
    to upgrade to Graduate Additions
  • New to Barclays? Pop into a branch.
  • Learn more about applying in branch

Consumer Moneyfacts Awards 2013 – current accounts

We’re pleased to announce that we won Student Account Provider of the Year.

We were also nominated for 6 other awards, including:

  • Online Banking Provider of the Year
  • Current Account Provider of the Year


Read more about the Moneyfacts Awards and nominations

Looking for alternative accounts?

Graduate account – A graduate account with no monthly fee

Barclays Bank Account – A current account with no monthly fee


Important information

1. The available fee-free overdraft amount available depends on year of graduation. All overdrafts are subject to status and application so the amount offered may be different to that shown. Graduate Overdraft page for full details. All borrowing is repayable on demand. The fees shown here are variable, which means we can change them – although we will let you know before we do this.
2. To qualify for Barclays loyalty mortgages, customers must have an open and active Barclays personal current account that has been credited with a minimum of £800 in each of the last three months. Applications are subject to status and a minimum age of 18.3
3. To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad. Call charges
4.The Lending Code:Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. The Lending Code sets minimum standards of good practice when dealing with certain customers in the UK in relation to loans, current account overdrafts, charge cards and credit cards. Further details can be found at: Lending Standards Board
5. A UK resident is required to have 3 years’ address history
6. To view PDFs, you'll need a PDF file viewer installed on your computer.