Barclays basic bank account

Simple banking

If you don’t qualify for a regular current account, don’t yet have a UK account, or you’re experiencing financial difficulty, this could be the right account for you.

It lets you bank online, on your phone and in branch

Our online application will let you know if you’re eligible – and will offer you the right account if you’re not

No monthly account fee – plus there’s no overdraft (arranged or unarranged) to help you avoid debt

What is a basic bank account

With a basic bank account, you can have your income paid in and manage your money with the Barclays app, online, in a branch and by phone. You can make payments, withdraw cash and set up regular payments like Direct Debits and standing orders. Unlike our other accounts, you can’t apply for an overdraft or use a chequebook.

What’s included with a basic bank account?

If you’d like more, it’s worth remembering that we have a range of accounts to choose from – find one that’s right for you

What’s included with a basic bank account?

A basic bank account includes a Visa debit card or cash card

Online Banking, Telephone Banking and Barclays app1 access

Support in our network of branches across the UK

Direct Debit or standing order2 payment options

Regular statements and free Text Alerts1 to help you control your spending

Cash machine withdrawal limit of up to £300 a day (if the money’s in your account)

What’s not included

An overdraft (arranged or unarranged) – that means you’ll need to have enough money in your account before making any payments

A cheque book

Barclays Blue Rewards

Account fees and charges



How to apply

Our Barclays Basic Current Account is only available to certain people in certain circumstances. The application will determine your eligibility, and will let you know what account we can offer you. 


Sole account

Use the Barclays app to apply for an account if you

  • Are 18 or older and not in full-time education. If you’re under 18 or a student, explore our other accounts
  • Have a UK mobile number and home address. Don’t have these? You can apply online instead
  • Can provide a photo ID, like a passport, driving licence or most national ID cards. Don’t have these? You can apply online instead

Download the Barclays app to open a current account

Tap the logo you need, and it’ll take you straight to the app in your app store.



Get in touch

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

Tweet us

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