Benefits you’ll get
Optional arranged overdrafts
Set up an arranged overdraft to suit your needs.
Open and manage your account with the Barclays app
- See a summary of your spending by category, shop or business
- Track where and when you’ve made payments
- Set daily spending limits
Flexible security controls
- Temporarily freeze your debit card if you can’t find it
- Get a PIN reminder whenever you need it
- Report your card lost or stolen
Get your account with the Barclays app
- Download the app
- Upload a video selfie and add photo ID to verify your identity
- Get instant access to your new current account
Before you apply, take a look at the important information about overdrafts
An overdraft limit is a borrowing facility which allows you to borrow money through your current account.
There are two types of overdraft – arranged and unarranged.
An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, like an unexpected bill. It is not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any fee-free limit you may have.
An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an arranged overdraft limit with us in advance or you have exceeded an existing arranged borrowing facility.
You can only make payments from your account if you have enough money in your account or through an arranged overdraft to cover them. Barclays will always attempt to return any transaction that could take your account into an unarranged overdraft position. Having enough money in your current account or having an arranged overdraft limit could help prevent payments such as priority bills from being returned unpaid.
On very rare occasions we may be unable to return a payment (e.g. due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. No additional charges will be applied in this situation.
Information regarding the conduct of your account may be sent to credit reference agencies. As with any debt or borrowing, this may affect your ability to get credit in the future.
Our Eligibility tool can show you the likelihood of getting an arranged overdraft and the overdraft calculator lets you see how much it could cost to use an overdraft. To use these tools and find out more about overdraft charges, please visit barclays.co.uk/youroverdraft.
If we hold a valid mobile number for you, we’ll automatically enrol you to receive relevant alerts regarding borrowing and refused payments, to help you avoid charges. You can also choose to receive additional alerts, including Low Balance and Large Credit or Debit. Tailor your alerts to your personal needs online, by phone or in branch. To find out more, visit barclays.co.uk/alerts.
How do I apply?
Get a Barclays Bank Account for one person
You can open a Barclays Bank Account straight from our app1 – it’s simple, safe and secure. All you need to do is enter your details and upload your ID to prove it’s you. We’ll also run a quick credit check.
If you’d prefer, you can stay in your browser and apply using our online form.
Get a Barclays Bank Account between two people
You can apply for a joint account online right away – as long as both people who are going to be named on the account are present. All you need to do is enter some details into our online form and confirm your identity.
Take a look at the features you’ll get with a joint account.
Frequently asked questions
Yes, we offer arranged overdrafts with our current accounts. An arranged overdraft is a borrowing facility that allows you to borrow money through your current account. All overdrafts are subject to application, financial circumstances and borrowing history.