Current account cash reward
Get up to £7 a month for using your account – we’ll give you £3.50 for each of the first two Direct Debits you pay.
Our way of saying thanks
Barclays Blue Rewards is our way of saying thanks for banking with us by giving you cash rewards every month. The more of our products you enjoy, the more you could pocket. You’ll also have access to our Blue Rewards Saver account.
Get up to £7 a month for using your account – we’ll give you £3.50 for each of the first two Direct Debits you pay.
Product cash rewards
Pocket more monthly cash rewards if you have products like insurance or a mortgage with us.
Blue Rewards Saver
You’ll also be able to open our members-only savings account.
As a Barclays Blue Rewards member, you’ll get an extra 1% cashback when you shop through us.
When you earn cash rewards, we’ll pay the money into your Rewards Wallet, which you can access and manage easily in Online Banking or the Barclays app.
Once you’re a member, you’ll be able to open our Blue Rewards Saver account in Online Banking, the Barclays app, by calling us or in branch.
You’ll earn even more monthly cash rewards for having more products with us.
Get £5 a month if you have or take out a personal residential mortgage with us.
Pocket 3% cashback when you take out or renew home insurance.
Not available for Wealth Management clients.
Get £1 a month if you have or take out a personal loan.
5.5% APR representative on loans of £7,500 to £15,000 over two to five years (your rate may differ)2.
Enjoy £1.50 a month if you take out life insurance, or £5 a month for life insurance with critical illness cover. You’ll only receive cash rewards for the first 12 months of your policy.
Not available for Wealth Management clients.
If you’re registered for Online Banking or use the Barclays app, joining takes just a few minutes.
You can open a current account online in minutes and then join Barclays Blue Rewards.
Here’s where you can find the Barclays Blue Rewards terms and conditions, and eligibility information.
Joining and eligibility
When you join we'll ask you to choose a suitable current account for Barclays Blue Rewards. Most of our accounts are suitable, including Premier and Wealth Management. The only accounts you can't join with are: Barclays Basic, Young Person's, BarclayPlus, foreign currency accounts, non-personal Wealth and Business. If you have a joint account, only one holder can use that account to join. Other account holders can use a separate, suitable account to join if they have one.
You will need access to Online Banking or the Barclays app to view and access your rewards, update your details or cancel Barclays Blue Rewards.
We'll check your chosen account on the first working day of each month to make sure that you did the following in the previous month
As long as you do both these things in the previous calendar month, we’ll add any applicable Product Rewards (including any Direct Debit Loyalty Reward) or enhanced cashback to your Rewards Wallet on the second working day of each month.
Monthly fee and Loyalty Reward
Get up to £7 per month for banking with us – you’ll receive £3.50 cashback monthly for each of your first two Direct Debit payments.
We'll take the £4 monthly fee from your chosen account on the second working day of each month. The fee will show in your statement as 'Blue Rewards fee'.
If your chosen account doesn't meet the monthly eligibility check
We'll check your chosen account at the end of each calendar month, and let you know if you haven't met the criteria. We'll send you an email to let you know if you didn't meet the criteria and what you need to do next.
If you continue to not meet the criteria we'll close your Rewards Wallet – and you'll stop earning rewards. If we close your Rewards Wallet, we'll transfer any rewards you may have earned into your chosen current account, and stop taking the monthly fee. We'll add any pending cashback into your chosen current account at the lower rate.
If you earn less in rewards than the monthly fee
We may cancel Barclays Blue Rewards if the rewards you earn are less than the monthly fee. We’ll monitor the rewards you’re earning and we’ll contact you to give you two months’ notice before cancelling.
If you want to leave Barclays Blue Rewards
Just let us know using Online Banking or the Barclays app. We'll add your available rewards balance into your chosen current account. Any pending cashback will be paid at the lower rate into your chosen current account (eg, travel that you have booked but not yet taken).
Tax treatment of Barclays Blue Rewards
The £7 Loyalty Reward received up to and including November 2016 for being part of Barclays Blue Rewards is subject to UK income tax and may need to be declared to HM Revenue & Customs.
All other current rewards and cashback earned through Blue Rewards, and any Loyalty Reward received from December 2016, are not subject to UK income tax.
These terms and conditions supplement the additional conditions for Barclays Blue Rewards (see below) and explain how you can earn Loyalty Rewards if you set up or make Direct Debit payments from one or more qualifying Barclays products.
The products that could give you Loyalty Rewards
Receive a £3.50 reward for each of your first two Direct Debit payments, up to £7 each month. You’re eligible for this reward if the Direct Debits are successfully paid from your chosen current account.
Mortgage Loyalty Reward
You can get our £5 monthly Mortgage Reward if you have or take out a personal, residential mortgage with us. You’re only eligible for this reward on one mortgage at any time and it’s not available on our buy-to-let mortgages or staff mortgages taken out before 2003.
Barclayloan Loyalty Reward
Get £1 each month on a Barclayloan Reward if you have or take out a Barclayloan with us. The following loans don’t qualify: Professional Career Development, Resolve, any loan products provided by Wealth Management (such as Portfolio Finance), Staff Season Ticket, Staff Career Development and all Staff Loans taken out before September 2013.
You’re only eligible for the Barclayloan Reward
We might stop paying your Barclayloan Reward if you fall behind with your repayments, there are arrears or we write off your loan.
Home Insurance Loyalty Reward
You'll get our Home Insurance Loyalty Reward when you take out or renew any Barclays Home Insurance policy or our Premium Home Insurance that’s provided by Hiscox. You’ll earn 3% cashback on your total annual premium, which will be divided by 12 and paid monthly into your Barclays Blue Rewards wallet.
You need to join Barclays Blue Rewards first, or do so within 30 days of your policy start date, to be eligible for this reward. If you've had your policy for longer than 30 days, you won't be eligible until you renew.
Your rights under your insurance policy won't be affected by receiving the Home Insurance Loyalty Reward.
You’re only eligible for the Home Insurance Loyalty Reward on one policy at any one time. If you hold more than one policy, your reward will be paid against the policy with the highest premium. Any changes you make to your policy that impact your premium before your renewal will be reflected in your Home Insurance Loyalty Reward within 30 days of the change.
This reward is not currently available for Wealth Management clients.
Life Insurance Loyalty Reward
When and how you’ll receive your rewards
Rewards for Barclays products
We’ll add the rewards that you’ve earned into your Rewards Wallet on the second working day of each month. Payments will start on the second working day of the calendar month that follows
As long as you have Barclays Blue Rewards and are eligible for that specific reward
When you renew your home insurance policy, top up your loan, switch rates, borrow more, move house or remortgage from another lender, please check to see what Loyalty Reward you’ll be eligible for with your new mortgage, loan or home insurance policy. Life insurance policies are non-renewable, so the life insurance reward will cease after 12 months.
We might revise your Direct Debit Loyalty Reward, Mortgage Reward or Barclayloan Reward in the future to make sure that the reward remains competitive and reflects changes to our costs over the term of your mortgage, loan or account. We might also add or remove any Product Rewards. We’ll give you two months’ notice before making any change and if you don’t agree with the changes, you can cancel your Barclays Blue Rewards, without charge, in Online Banking or our app.
We might revise your Home Insurance Loyalty Reward or Life Insurance Loyalty Reward in the future. We’ll give you two months’ notice before making any change and if you don’t agree with the changes, you can cancel your Barclays Blue Rewards without charge, in Online Banking or the Barclays app.
If you leave Barclays Blue Rewards and re-join later, you'll need to renew or take out new home insurance products from us to qualify for the Home Insurance Loyalty Reward. If you leave Barclays Blue Rewards and re-join later, you will not qualify for the Life Insurance Loyalty Reward, if you already have or had life insurance.
Where a mortgage or loan is in joint names
Where Direct Debits are paid from a joint nominated account
Any Direct Debits paid from a joint nominated account will be eligible for the Direct Debit Loyalty Reward. The customer who has nominated that account for Barclays Blue Rewards will get 100% of the reward.
Where the home insurance or life insurance policy is in joint names
Extra cashback from retailers
Whenever you are paid cashback from our cashback retailers, you’ll earn an additional 1% enhanced cashback on top of the standard rate of cashback. If you leave Barclays Blue Rewards, you’ll only get the standard cashback. Details of the level of cashback and the payment terms for each retailer are available on their pages.
We’ll pay your cashback into your Rewards Wallet as two separate transactions. One will be for the standard cashback and the other will be for the additional 1% enhanced cashback for being a part of Barclays Blue Rewards.
The extra 1% will be paid on the second working day of the calendar month that follows the standard cashback payment.
Platinum Barclaycard with Barclays Blue Rewards terms and conditions
Although we don’t offer the Platinum Barclaycard with Blue Rewards anymore, if you’ve already got one you can still receive your rewards if you meet the eligibility criteria.
If you applied for our Platinum Barclaycard with Barclays Blue Rewards card and are an existing Barclays current account customer, you could receive £1 cashback per month for up to 24 months from account opening, if you join (if you have not already) Barclays Blue Rewards.
Barclays Blue Rewards eligibility criteria
To join and remain eligible for Barclays Blue Rewards, you’ll need to have £800 paid into your eligible Barclays current account and pay the £4 fee each month. Rewards are paid monthly into your Blue Rewards Wallet. There’s one wallet per Barclays current account per customer. Terms and conditions apply. Learn more here.
Your monthly cashback will be credited to your Blue Rewards Wallet within seven working days of that month ending. It will show online as soon as it is paid and you can transfer it from your Blue Rewards Wallet immediately.
You will only receive cashback for up to 24 months from opening your Barclaycard account (the “Cashback Period”). If you aren't already a Barclays Blue Rewards customer, you can join Barclays Blue Rewards at any time (subject to meeting the eligibility criteria) but if you join Barclays Blue Rewards after opening your Barclaycard account, this will affect how many months of cashback you qualify for. For example, if you don't join Barclays Blue Rewards until 8 months after opening your Barclaycard account, you will only receive cashback for the remaining 16 months of the Cashback Period.
To qualify to receive the £1 monthly cashback during the Cashback Period, you will need to ensure that you
The following current accounts aren't eligible for Barclays Blue Rewards: Barclays Basic Current Account, Young Person’s, BarclayPlus, Foreign Currency or non-personal Barclays Wealth or Business Accounts.
This offer cannot be used in conjunction with any other promotional rewards or cashback offer, including the Barclays Blue Rewards – Current Account Switch Service Offer except where expressly permitted by us.
Who can join Barclays Blue Rewards
To join Barclays Blue Rewards, you need to be a resident in the UK for tax purposes and have an eligible current account with Barclays. You’ll need to nominate an eligible Barclays current account for Barclays Blue Rewards to get the benefits. Your account can be a joint account, but only one of you will be able to join Barclays Blue Rewards from that account – so we’ll tell the other account holders if you join so they know they can’t also use that account to join Barclays Blue Rewards.
Barclays is committed to protecting your personal data. We will use your information for a number of different purposes, for example,to manage your account(s), to provide our products and services to you and others and to meet our legal and regulatory obligations. We may also share your information with our trusted third parties for these purposes. For more detailed information on how and why we use your information, including the rights in relation to your personal data, and our legal grounds for using it, please go to barclays.co.uk/control-your-data or you can request a copy from us.
Credit reference agencies and fraud prevention agencies
In order to process your application we will supply your personal information to credit reference agencies and fraud prevention agencies and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. These agencies may in turn share your personal information with other organisations. If fraud is detected, you could be refused certain services, finance or employment. Once you open an account with us, we will share account data with the credit reference agencies on an ongoing basis.
If false or inaccurate information is provided to us and fraud is identified, details may be passed to credit reference and fraud prevention agencies to prevent fraud and money laundering and to verify your identity.
The Credit Reference Agency Information Notice (CRAIN) describes how the three main credit reference agencies in the UK each use and share personal data. The CRAIN is available on the credit reference agencies’ websites
Or you can ask us for a copy of these.
For more details on how information held by credit reference agencies and fraud prevention agencies may be used, please go to barclays.co.uk/control-your-data or you can request a copy from us.
Cancelling Barclays Blue Rewards
If you want to cancel Barclays Blue Rewards, you can do so at any time either through Online Banking or with the Barclays app. If you cancel within the first 14 days of receiving these Additional Conditions and you have already paid a monthly fee, we’ll refund the fee, unless you have already received any rewards in to your Rewards Wallet.
We may cancel Barclays Blue Rewards immediately if you close your nominated current account or are no longer resident in the UK for tax purposes. We may also cancel Barclays Blue Rewards if you fail to meet the two conditions to earn Barclays Blue Rewards or if the monthly fee you pay is greater than the rewards you earn. We will give you two months’ notice before cancelling but we will not cancel if you start meeting the conditions and earning more than the fee again before then.
If we or you cancel Barclays Blue Rewards
Keeping you informed
We’ll always keep you informed about the rewards you’re getting and how they may change over time. We’ll send information about your Barclays Blue Rewards to you using texts, email, Cloud It and other digital methods. We will not send paper statements or letters about your Rewards, as all communication is online. If you want to talk to us about Barclays Blue Rewards you can contact us in any of the usual ways.