How to reduce your charges
We provide a number of tools that can help you to avoid charges – free Alerts, a £15 buffer zone, the Barclays app, Online Banking and a grace period to pay money into your account and avoid fees.
If a payment takes you over your limit, you’ll have until 3pm that day to pay enough money into your account to make the payment and avoid a fee. The money needs to be immediately available to use, so you can transfer money from another account using mobile, online or telephone banking, or you can pay cash over the counter in branch.
Additionally, our Control Feature helps you to avoid paying Unpaid Transaction Fees for an £8 monthly fee. If we can't make a payment because there isn't enough money in your account, the payment will still be returned as unpaid but you won't be charged.
If you’re struggling financially
We can help with any financial difficulties you’re having. Our Money management section provides practical steps for reviewing your finances and suggests solutions to any problems you may have. You can also speak to one of our personal bankers in branch or call us on 0345 734 5345 1.
Cancelling or changing your arranged overdraft
You can cancel or reduce an arranged overdraft either in branch or through Telephone Banking, if you're registered for this service, on 0345 734 5345 1.
If you want to apply for an increase in your arranged overdraft, you may be able to do this online, over the phone or in branch, If you apply in branch, please bring payslips for the previous 2 months/8 weeks and a statement for the account your income is paid into, if it's not a Barclays account.