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Barclays Basic Current Account

Bank accounts


  • No monthly account fee
  • Online, in branch and phone banking
  • Avoid overdraft fees and debt

Straightforward banking with no frills

Barclays Basic Current Account is a basic account that offers free, no-frills banking for customers who may not be able to open a regular current account. With this account you can:

  • Choose between a Barclays Visa debit card or cash card (ATM only) 
  • Make payments from your Barclays Basic Current Account by Direct Debit or standing order 1
  • Withdraw up to £300 a day (if you have available funds) from Barclays ATMs or at Post Offices, or wherever you see the LINK sign
  • Manage your account online, by phone or in branch
  • Manage your account online by registering for Barclays Online Banking
  • Access your account through Mobile Banking
  • Get Free Text Alerts to your mobile about your account
  • Transfer money to other Barclays accounts online or by phone 24 hours a day
  • Bank in more than 1,500 branches nationwide 
  • Get regular statements to help you keep track of your money
  • Personalise your account in the Barclays Features Store 8 – an online interactive hub where you can shape your account to suit your needs

The following are not available on this account:

  • An overdraft – so you'll need to ensure your account is in credit before making payments
  • A cheque book

For your benefit and protection, please ensure you read the terms and conditions for your account.

Rates and charges for the Barclays Basic Current Account are detailed below. These charges and interest rates are variable and the bank reserves the right to amend them from time to time.

Overdrafts and cheque books are not available with the Cash Card Account.

Current accounts - our bank charges explained 1.36 MB

Day-to-day banking services charges

Payments into your account Free
Issue of Cash Card Free
Paying by Direct Debit / standing order Free
Telephone Banking Call charges Free
Free Text Alerts with free Near Limit Alert text messages Free
Cash withdrawal from UK cash machines 2 Free
Cash withdrawals over the counter at Barclays in the UK 3 Free
Cash withdrawals from UK post offices Free
Issue of bank statements Free


Debit card charges:
Making purchases or getting cash using your debit card in the UK

Debit card purchases Free
If you use your debit card in the UK to get sterling anywhere other than an ATM or Barclays branch and currency or travellers' cheques anywhere other than a Barclays branch, Barclays website or Barclays Travel Line (excluding cashback when paying for goods using your debit card) 2% charge (min £1.50, max £4.50)


Debit card charges:
Making purchases or getting cash using your debit card abroad

See our rates and charges page for information on international debit card charges.


Other account services

Barclays Direct Presentation Service 7 £20
Same day transfer of money in the UK using CHAPS £25
Banker's draft £15
Copy statement (per request, per account) £5


Unpaid Direct Debits and standing orders

  • If a Direct Debit or standing order is due and there is not enough money in your account, the Bank will stop the payment.
  • We may decide to cancel permanently some or all of your Direct Debits or standing orders if you don't ensure that there is enough money in your account when they are due to be paid. If we do this, we'll write to you and let you know.

Charging dates

  • Most charges are applied at the time the service is provided.
  • Unpaid Direct Debit and standing order charges are applied at the time the charge is incurred.

To open a Barclays Basic Current Account, we need confirmation of who you are and where you live. We need 2 original documents (not photocopies) from the lists below.

To confirm who you are, we need 1 of the following:  

  • Full, current passport
  • Current European Union member state identity card 
  • Current UK photocard driving licence or UK full paper driving licence
  • Benefit books/benefit entitlement letters; includes pension, Child Benefit, income support, disability and Jobseeker's Allowance

To confirm where you live, we need 1 of the following:

  • Current UK photocard driving licence or UK full paper driving licence with current address (if not used as identification)
  • Gas bill (less than 3 months old)
  • Water bill (less than 3 months old)
  • Telephone bill for a fixed line (less than 3 months old), not a mobile phone bill
  • Local authority council tax bill (current financial year)
  • Bank statement (less than 3 months old) from another bank (internet statements are not acceptable)
  • Mortgage statement that's less than 12 months old (internet statements are not acceptable)
  • Council rent book (must be current)
  • HM Revenue & Customs notice of tax coding (current tax year)

You can't use the same item twice. For joint accounts, we'll need this identification from both of you.

If you want advice on what documents to provide or need help completing the application call us free on 0800 015 4996 6 (Textphone 0800 015 4997).

This could suit you if:

  • You have difficulty opening a regular current account
  • You want to keep tight control of your money
  • You don’t want an overdraft

See our alternative accounts if:

  • You want an account with extra benefits

Apply for a Barclays Basic Current Account

Looking for alternative accounts?

Barclays Bank Account – A basic account with an overdraft


Important information

1. Make sure you have enough money in your account no later than the day before the payment is due to avoid charges and ensure that the payment is made.
2. Barclays will not charge you for using your card in any Barclays or Link ATM. Other companies may make a charge but must tell you on-screen before you commit to any transaction. This relates to Sterling transactions in the UK, Channel Islands, Isle of Man and Gibraltar only.
3. Some branches may require advance notice if you request a cash amount over the counter that exceeds your daily ATM withdrawal limit.
4. The Global Alliance consists of banks that have agreed not to charge Barclays customers for using their cash machines. Our Global Alliance partners are: Westpac (Australia, Fiji and New Zealand), Scotiabank (Canada, Guatemala and Mexico), BNP Paribas (France), Deutsche Bank (Spain and Germany), ABSA (South Africa), UkrSibbank (Ukraine) and Bank of America (USA). If you use a cash machine outside the Global Alliance, you may also incur an additional service charge on top.
5. All charges and interest rates are variable and we reserve the right to amend them from time to time.
6. 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
7. The Direct Presentation Service provides rapid cheque clearance.
8. Barclays Features Store – terms and conditions apply. You can use the Barclays Features Store online, in branch or by calling us to add Packs. Packs can only be added to a Barclays Bank Account, Premier Current Account or Basic Current Account and are available for a monthly fee. You may need to register or apply for certain Features. These may incur separate fees or charges. For more information and to read the terms and conditions visit Features Store
9. Your eligible deposits with Barclays Bank PLC are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
Please click here for further information www.fscs.org.uk .