Barclays Basic Bank Account

Simple, free banking

Our Barclays Basic Current Account offers free, no-frills banking – and could be just what you’re looking for if you can’t open a regular current account.

  • No monthly account fee
  • Do your banking online, in branch or by phone
  • Avoid overdraft fees and debt

What you get

You could get this account if you don't qualify for one of our other accounts and/or you have no bank current account in the UK.

Pay, transfer and withdraw money

  • Choose between a Barclays Visa debit card or cash card 
  • Make payments by Direct Debit or standing order1
  • Transfer money to other Barclays accounts online or by phone
  • Withdraw up to £300 a day from cash machines if the money is in your account

Manage your account your way

  • Manage your account online, with our app2 or in branch
  • Get regular statements and free Text Alerts2 to help manage your spending
  • Bank in more than 1,500 branches nationwide
  • Personalise your account with one of our Packs3

Banking to suit you

  • Straightforward banking with no frills
  • A way to bank if you have difficulty opening a regular current account
  • Features that help you keep tight control of your money

What isn't included

  • An overdraft – so you’ll need to have enough money in your account before making payments
  • A cheque book
  • Barclays Blue Rewards

Account fees and charges

  • Day-to-day banking service charges

    These charges and interest rates are variable and we reserve the right to amend them from time to time.

    Overdrafts and cheque books are not available with the Barclays Basic Current Account.

    Barclays Tariff for Personal Customers4

    Payments into your account

    Free

    Issue of Cash Card

    Free

    Paying by Direct Debit / standing order

    Free

    Telephone Banking Call charges5

    Free

    Free text alerts when you’re near your limit

    Free

    Cash withdrawal from UK cash machines6

    Free

    Cash withdrawals at our branches in the UK7

    Free

    Cash withdrawals from UK post offices

    Free

    Issue of bank statements

    Free

    Debit card purchases in the UK

    Free

    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 Service8

    £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 isn’t enough money in your account, we’ll 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’re 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.

    Pack fees are taken from your account on the first working day of the month.

Apply now

To confirm your identity, you'll need to bring in 2 original documents (not photocopies) from this list when opening your account.

Apply in branch

Find your nearest branch and see when we’re open. Don’t forget – you’ll need your ID documents to apply for an account.

Get in touch

If you’ve got a question about our Barclays Basic Current Account, there are many ways to get in touch.

Web chat

Please don’t share any account information during your chat.

Tweet us

Tweet us a question @BarclaysUKHelp and we’ll respond within 2 hours.