Premier Current Account
Take your banking to the next level
No monthly fee
Eligibility criteria applies.
Premier eligibility
You’ll need to have a current account with us and either pay in a gross annual income of at least £75,000 – or have a total balance of at least £100,000 in savings with us, in eligible investments, or a mix of both(1).
If your payments or balances drop below what you need to stay with Premier, we’ll let you know.
Get the most from being a Premier customer
Discover a world of Premier benefits and perks, with access to exclusive savings rates and mortgage options, 24/7 UK-based support and higher payment limits.
Premier Financial Guides
Your dedicated team of Premier Financial Guides is here to help you with those key moments in life – whether you’re moving house, planning for your future or thinking about retirement.
More Premier benefits
Barclays Avios Rewards
Join Barclays Avios Rewards for £12 a month and collect Avios to put towards your next trip with British Airways. Eligibility and conditions apply(2).
Barclays Cashback Rewards
Earn up to 15% cashback whenever you spend at participating retailers using a Barclays Visa debit card linked to your Cashback Rewards account. T&Cs apply(3).
Premier mortgage options
Get closer to your dream home with our exclusive mortgage options - plus a higher annual overpayment allowance(5) , giving you more flexibility to pay off your mortgage.
Access to Wealth Hub
Track and manage all your finances in one place.
Enhanced savings rates
Give your savings a boost with Rainy Day Saver and Blue Rewards Saver.
Premier Current Account features
Account benefits you can enjoy as part of Premier.
Exclusive black debit card
Get your exclusive black debit card or personalise your card with an image that’ll make you smile.
Interest-free arranged overdraft up to £500
As a Premier customer, you can apply for an interest-free arranged overdraft of up to £500. Overdrafts, including interest-free amounts, are subject to application, financial circumstances and borrowing history.
How does our overdraft compare?
A good way to compare the cost of our overdraft with other overdrafts, or other ways of borrowing, is to look at the APR – annual percentage rate. The APR shows the cost of borrowing over a year.
Representative example
0% interest (variable) payable on arranged overdrafts up to £500. If you use an arranged overdraft above this amount, the annual rate of interest is 35.0% (variable).
19.5% APR Representative (variable) based on a £1,200 overdraft balance. You can find out more about our interest charges using our overdraft calculator – just select ‘Premier Current Account’ from the drop-down list.
Overdrafts are repayable on demand and you must be over 18 and a UK resident to apply. You can contact us at Barclays, Leicester, LE87 2BB. Arranged overdrafts are subject to application, financial circumstances and borrowing history.
Please open and read the general information about overdrafts before you apply
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’s 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 it or an arranged overdraft to cover them. We’ll always try to return any transaction that could take your account into an unarranged overdraft. Having enough money in your current account or having an arranged overdraft limit could help prevent payments like priority bills from being returned unpaid.
On very rare occasions, we might not be able to return a payment (for example, due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. We won’t apply any additional charges in this situation.
We may send information about how you manage your account 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. The overdraft calculator lets you see how much it could cost to use one. To use these tools and find out more about overdraft charges, please visit barclays.co.uk/youroverdraft.
If we have a valid mobile number for you, we’ll automatically enrol you to receive relevant alerts about 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 or by phone. To find out more, visit barclays.co.uk/alerts.
More Premier Current Account features
Apple Pay and Google Pay
Pay with your device for any amount you like, with privacy and security built in.
Higher payment limits
Transfer larger amounts in Online Banking and our app.
Larger withdrawals
Your black debit card lets you withdraw more from cash machines – up to £2,000 every day(6).
Instant spending notifications
See what you’ve spent at a glance.
Money management tools
Track what and when you’ve spent and stay in control of your cash.
Smart Investor
It’s simple and low-cost to invest with us. We have Ready-made Investment options, or you can choose from thousands of shares, funds and bonds. Capital at risk.
Travel wallet
Buy euros or US dollars in the Barclays app and use your existing debit card as a travel money card.
Insurance packs
Add travel insurance, RAC cover and gadget insurance to your account for an additional fee. T&Cs apply.
Award-winning security
We’re the only bank in the UK to have received Security Digital Banking kitemark for our app and Online Banking.
Apply for a sole Premier Current Account
To apply for this account in the app, you’ll need to:
- Be aged 18 or over and not in full-time education
- Pay in a gross annual income of at least £75,000
- Have a UK mobile number
- Provide proof of identity, like a passport or driving licence.
Download the Barclays app(7) to get started.
If you don’t have a UK mobile number, you can apply online instead.
Apply for a joint Premier Current Account
To apply for this account, both accounts holders will need to:
- Be aged 18 or over and not in full-time education
- Have lived in the UK for at least 12 months
- Pay in a gross annual income of at least £75,000.
The other account holder will need to be with you during the application.
For more information on what you get with a joint account, take a look at our joint account features.
Already bank with us?
Log in to your app or Online Banking and upgrade to a Premier Current Account. If you’d like to talk to us in person, you can book an appointment for a time that suits you.
Terms and conditions
Please read these important guides to your rights and responsibilities when using the Premier Current Account.
Tariff of charges for personal accounts
Fee information document – Premier Current Account
Important information
Eligible investments are Investment ISAs, SIPPs or General Investment Accounts held through Smart Investor or Barclays Investment Solutions Limited.(Return to reference)
You can opt in to Barclays Avios Rewards if you’re a Premier Banking customer or have a Wealth current account with us – you’ll need to register for the Barclays app and have a British Airways Club Account too. There’s a £12 monthly fee and you have to opt out of Barclays Blue Rewards and go paperless for all your accounts and services with us. To access Barclays Avios Rewards in the Barclays App, you need to be over 18. You can join Premier Banking if you have an income of £75,000 or £100,000 held in savings or investments with us. T&Cs apply.(Return to reference)
Terms and conditions [PDF, 153KB] for cashback apply.(Return to reference)
To maintain a quality service, we may monitor phone calls. Call charges.(Return to reference)
Our mortgage overpayment allowance has increased from 10% to 25% per year. This only applies to new fixed-rate Premier-exclusive mortgages and remortgage rates. It doesn’t apply when you switch to a new rate with us after the initial term. Our tracker mortgages already have a 25% overpayment allowance.
Subject to application, financial circumstances and borrowing history. T&Cs apply. Your home may be repossessed if you do not keep up repayments on your mortgage.((Return to reference)
Subject to status and available funds. Individual cash machine limits may apply. You need to increase your cash machine withdrawal limit from £1,000 to £2,000 in the Barclays app.(Return to reference)
You need to be 18 or over to access this product or service using the app. T&Cs apply. (Return to reference)