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C M
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COLOUR
COLOUR
JOB LOCATION:
PRINERGY 3
Non-printingColours
June 2014
Barclays tariff for personal customersOur bank charges explained
BAR_9913194.indd 1 01/05/2014 09:31
3 About our tarif
Wha
If you ha
3 Account and P
Mon
5 Borr
Daily f
Emer
8 Char
having enough money
Unp
9 Char
Char
Deciding whe
10 Char
Char
pay f
11 Other important inf
How and when f
Wha
How t
About the Financial Services Compensa
Con
BAR_9913194.indd 2 01/05/2014 09:31
3 About our tariff
What's covered by the tariff.
If you have an older account.
3 Account and Pack fees
Monthly charges for current accounts and Packs.
5 Borrowing from us
Daily fees and other charges for overdrafts and
Emergency Borrowing.
9 Charges if you try to make a payment without
having enough money
Unpaid Transaction Fees.
10 Charges for using your debit card
Charges in the UK and abroad.
Deciding whether to pay in sterling or in the local currency.
11 Charges for other current account services
Charges for services you may use less often, which you
pay for individually.
12 Other important information
How and when fees will be taken from your account.
What to do if you don't want your new account.
How to complain or give us feedback.
About the Financial Services Compensation Scheme.
Contents
BAR_9913194.indd 3 04/06/2014 12:20
1 About our tarif
The tarif
and when. It f
with Bar
The tarif
we offer in the UK. It c
i If you opened y
new cust
acc
bar
i If you ha
certain curr
curr
any o
We can change our char
Agreemen
2 Accoun
Some o
includes f
Fees ar
Accoun
Barclay
Premier Curr
Cash Car
Gradua
Higher E
Studen
Young P
BarclayPlus A
BAR_9913194.indd 4 01/05/2014 09:31
3
1 About our tariff
The tariff tells you what we charge you for banking services: how much,
and when. It forms part our agreement with you when you choose to bank
with Barclays.
The tariff sets out daily fees and charges for the current accounts and services
we offer in the UK. It covers the accounts listed in Section 2 below.
i If you opened your account a while ago and it's not one we still offer to
new customers, this tariff won't apply to it. You can get the tariff for older
accounts (such as Additions accounts) by asking in branch or visiting
barclays.co.uk/welcomepacks.
i If you have a savings account or want to know about interest rates on
certain current accounts, you'll ind interest rates for your savings or
current account in our lealet 'Rates for Savers'. You can get this from
any of our branches.
We can change our charges and fees as set out in the Retail Customer
Agreement.
2 Account and Pack fees
Some of our accounts have monthly fees – you'll ind them here. This section also
includes fees for Packs, which are sets of features you can add to your account.
Fees are taken from your account on the irst working day of each month.
Account type Monthly account fee
Barclays Bank Account No account fee
Premier Current Account No account fee
Cash Card Account No account fee
Graduate Additions Account £7 a month
Higher Education Account No account fee
Student Additions Account No account fee
Young Person's Account No account fee
BarclayPlus Account (for 11–16 year olds) No account fee
BAR_9913194.indd 5 01/05/2014 09:31
Barclays tariff for personal customers 4
3 Borr
If you ar
as an o
Emergency Borr
Accoun
Borrowing f
Overdr
The fees sho
although w
fee-free amoun
may be dif
Daily fees ar
to your acc
Accoun
Barclays
Personal Ov
Barclays
Bank Acc
with Ov
(where y
a Pack)
Eligibility for Premier banking
To be eligible to join Premier Banking, you must have an annual gross income
paid into a Barclays current account of £75,000+ and /or £100,000+ saved or
invested through Barclays.
Eligibility for Premier Banking will be reviewed regularly and if you no longer
meet the criteria, we will contact you with your options and we reserve the right
to move you from Barclays Premier Banking. We may vary the eligibility criteria
for Barclays Premier Banking from time to time.
To ind out more about Premier Banking, visit barclays.co.uk/Premier or ask
at a branch.
Pack fees
For a monthly Pack fee, you can add a Pack to your Barclays Bank Account,
Premier Current Account or Cashcard Account to get the features and beneits
you want. You can't add Packs to other Barclays accounts. If you have a
Premier Current Account, you can also get Premier Packs.
To ind out more about Packs, visit barclays.co.uk/FeaturesStore or ask at
a branch.
Type of Pack Monthly Pack fee
Tech Pack £7.50 a month
Travel Pack £8.50 a month
Travel Plus Pack £13.50 a month
Home Pack £6.00 a month
Home Protection Pack £12.00 a month
Premier Tech Pack £7.50 a month
Premier Travel Plus Pack £11.50 a month
Get a discount for adding more packs
When you add a second or third pack to the same bank account on which you
already have a pack, you will receive a multi-pack discount of £2 for each pack
added. That means you'll get a discount of £2 a month if you've got two packs
and a discount of £4 a month if you've got three packs.
BAR_9913194.indd 6 01/05/2014 09:31
5
3 Borrowing from us
If you are over 18, you can ask to borrow money through your current account
as an overdraft or Emergency Borrowing (or both). There are no overdraft or
Emergency Borrowing facilities available on Cash Card Accounts, BarclayPlus
Accounts and our Young Persons' Accounts. Overdrafts and Emergency
Borrowing facilities are repayable on demand. Here's how we charge.
Overdraft fees
The fees shown here are variable, which means we can change them –
although we will let you know before we do this. Overdrafts, including fee-free
amounts, are subject to status and application, so the amount offered may be
different to that shown in the examples in this section.
Daily fees are calculated on the daily statement balance and charged to your
account monthly as follows.
Account type Fees payable Representative example
Barclays
Personal Overdraft
Daily fees are charged on all balances
within an arranged overdraft limit.
The daily fees are as follows:
Up to £1,000 75p per day
Over £1,000 and £1.50 per day
up to £2,000
Over £2,000 £3 per day
The maximum arranged overdraft
is £5,000
Up to £5,000 (subject to
application and status).
If you use an overdraft of £1,200
you will be charged £1.50 per day
when you use it.
Barclays
Bank Account
with Overdraft Tier
(where you have
a Pack)
No daily fees are charged on arranged
overdrafts up to £200. When you go
over your £200 limit, daily fees are
charged on the whole balance of your
arranged overdraft.
The daily fees are as follows:
Up to £200 No fee
Over £200 and 75p per day
up to £1,000
Over £1,000 and £1.50 per day
up to £2,000
Over £2,000 £3 per day
The maximum arranged overdraft
is £5,000
Fee-free overdraft up to £200
(subject to application and status)
while you stay within that limit.
If you use an overdraft of £1,200
you will be charged £1.50 per day
when you use it.
ome
ed or
ou no longer
e the right
eria
or ask
t,
es and beneits
or ask at
t on which you
or each pack
acks
BAR_9913194.indd 7 04/06/2014 12:20
Barclays tariff for personal customers 6
Executive Overdraft Daily fees are charged on all balances
within an arranged overdraft limit.
The daily fees are as follows:
Up to £1,000 75p per day
Over £1,000 and £1.50 per day
up to £2,000
Over £2,000 £3 per day
Up to £5,000 (subject to
application and status).
If you use an overdraft of £2,200
you will be charged £3 per day
when you use it.
Premier
Current Account
No daily fees are charged on arranged
overdrafts up to £1,000. When you go
over your £1,000 limit, daily fees are
charged on the whole balance of your
arranged overdraft.
The daily fees are as follows:
Up to £1,000 No fee
Over £1,000 and £1.50 per day
up to £2,000
Over £2,000 £3 per day
Fee-free overdraft up to £1,000
(subject to application and status)
while you stay within that limit.
Up to £1,000 fee-free. If you use
an overdraft of £1,200, you will
be charged £1.50 a day when you
use it.
Overdrafts over £15,000 have a set up fee of 1.5% of the arranged overdraft
limit. An overdraft renewal fee of 1.5% of the limit will also be applied to
these overdrafts annually. For arranged overdrafts over £25,000 we may ask
for security. Please ask your Premier Team for more information.
Overdraft fees – Student accounts
Account type Fees payable Representative example
Student Additions No daily fees are charged on arranged
overdrafts up to £2,000. When you go
over your £2,000 limit, daily fees are
charged on the whole balance of your
arranged overdraft.
The daily fees are as follows:
Up to £2,000 No fee
Over £2,000 £1 per day
The maximum arranged overdraft
is £3,000
Fee-free overdraft up to £2,000
(subject to application, status and
residency) while you stay within
that limit.
Up to £2,000 fee-free. If you use
an overdraft of £2,200, you will
be charged £1.00 a day when you
use it.
Higher E
Graduat
Additions
BAR_9913194.indd 8 06/05/2014 15:17
7
Up to £5,000 (subject to
tus).
draft of £2,200
ged £3 per day
draft up to £1,000
tion and status)
y within that limit.
ee. If you use
00, you will
.50 a day when you
aft
y ask
xample
draft up to £2,000
tion, status and
ou stay within
ee. If you use
00, you will
y when you
Higher Education Available fee-free overdraft depends on
year of graduation as follows:
• Year 1: up to £1,500
• Year 2: up to £1,000
Daily fees are charged on the whole
balance of an arranged overdraft above
the fee-free limit. The daily fees are
as follows:
Over £1,000 and 50p per day
up to £2,000
Over £2,000 £1 per day
The maximum arranged overdraft
is £3,000
Fee-free overdraft up to £1,500
(subject to application and status)
while you stay within that limit.
For your 1st year after graduation:
Up to £1,500 – fee-free. If you use
an overdraft of £1,800, you will be
charged £0.50 a day when you use
it. Lower fee-free limit applies in
2nd year.
Graduate
Additions
Available fee-free overdraft depends on
year of graduation as follows:
• Year 1: up to £3,000
• Year 2: up to £2,000
• Year 3: up to £1,000
• Year 4: up to £500
• Year 5: up to £200
Daily fees are charged on the whole
balance of an arranged overdraft above
the fee-free limit. The daily fees are
as follows:
Up to £1,000 25p per day
Over £1,000 and 50p per day
up to £2,000
Over £2,000 £1 per day
The maximum arranged overdraft
is £3,000
Fee-free overdraft up to £3,000
(subject to application and status)
while you stay within that limit.
For your 2nd year after graduation:
Up to £2,000 – fee-free. If you use
an overdraft of £2,200, you will
be charged £1.00 a day when you
use it.
BAR_9913194.indd 9 06/05/2014 15:17
Barclays tariff for personal customers 8
These ar
carefully
When y
any available o
your acc
go out.
If we re
then w
of considering the r
the other b
Fee
Unpaid T
You will no
working da
not apply t
Contr
For a mon
Fees. If y
accoun
any Unp
charged Unp
Fee
Control F
To ind out mor
Click bar
Come in
4 Charwithout ha
Emergency Borrowing
Emergency Borrowing is a service we can provide in addition to or instead
of an overdraft to help you cover unexpected or emergency payments.
Emergency Borrowing is subject to status, application and the type of account
you hold so the amount offered may be different to that shown in the example.
If you have arranged an Emergency Borrowing facility, we give you a buffer
of £15. If you go into your Emergency Borrowing by more than this amount,
we will charge you an Emergency Borrowing fee of £5 per day for each day
you use it.
• This fee is capped at seven days in each monthly charging period, so using
your Emergency Borrowing will never cost you more than £35 per month.
However, if you have an overdraft, you will be charged the highest daily fee
that applies to your overdraft for the remainder of the monthly charging
period. We explain how we set the monthly charging period in section 7
“Other Important Information”.
Representative example
• Emergency Borrowing of £100 for ten days with an overdraft of £1,000.
• Fee of £5 per day, capped at seven days giving a total of £35 plus three
days at 75p giving a total of £2.25 and overall total of £37.25.
If you would like to talk to us about applying for an overdraft or Emergency
Borrowing, please ask at a branch.
BAR_9913194.indd 10 04/06/2014 12:21
9
These are charges you can avoid by planning and by managing your account
carefully.
When you ask us to make a payment, you must have the money (including
any available overdraft, Emergency Borrowing or any buffer we give you) in
your account to cover the payment at 3 pm on the day the money is due to
go out.
If we refuse the payment because you do not have the money to cover it,
then we'll charge you an Unpaid Transaction Fee of £ 8 per day for our service
of considering the requested payment and, where necessary, dealing with
the other bank.
Fee Amount
Unpaid Transaction Fee £ 8 per day
You will not be charged more than one Unpaid Transaction Fee in any one
working day no matter how many items are returned unpaid. This fee does
not apply to Young Person's Accounts or BarclayPlus Accounts.
Control Feature
For a monthly fee, Control Feature helps you to avoid Unpaid Transaction
Fees. If you try to pay for something when there isn't enough money in your
account the payment will be returned unpaid – but you won't be charged
any Unpaid Transaction Fee. This could be right for you if you often get
charged Unpaid Transaction Fees.
Fee Amount
Control Feature £ 8
To ind out more
Click barclays.co.uk/overdraftchanges
Come in to a branch
4 Charges if you try to make a payment without having enough money
ead
ount
xample.
er
e than this amount,
y
using
th.
ged the highest daily fee
ging
tion 7
,000.
s giving a total of £35 plus three
gency
BAR_9913194.indd 11 04/06/2014 12:21
Barclays tariff for personal customers 10
We can change these a
the service. F
Service
Direct Pr
Same-da
Banker's dr
Stopped cheque
Copy sta
Replacemen
Priority Bar
Standar
SEPA Cr
Receiving curr
Cancelling a C
Barclaysa
Standard service f
Overdra
There ma
us that y
# Includes V
of Barcla
6 Char
If you use your debit card in the UK: Barclays will not charge you for using
your debit card in the UK when making purchases, withdrawing cash, or
when buying travellers' cheques or foreign currency. A small number of cash
machine providers may charge a transaction fee but they should tell you
about this on-screen before you commit to any transaction.
If you use your debit card abroad or pay in a currency other than sterling
(either abroad or in the UK): Barclays will charge you a 2.99% Non-Sterling
Transaction Fee for using your debit card abroad when making purchases,
withdrawing cash, or when you are being refunded. This fee will also apply
whenever you do not pay in sterling, for example when you shop online on
some websites.
On top of this, if you're getting cash over the counter at a bank abroad
(including Barclays), or using a cash machine other than a Barclays cash
machine or a cash machine at a Global Alliance member bank, you'll also
be charged a £1.50 Non-Sterling Cash Fee and the cash machine provider
may apply other charges.
Visa converts transactions into sterling using the Visa Exchange Rate on
the day it processes the transaction. This date may be different to the day
on which the transaction took place. Historic exchange rate information is
available on visaeurope.com.
When using your debit card abroad some merchant terminals or cash machines
may offer you the choice of paying for your transaction in sterling. If you
choose to pay in sterling the 2.99% Non-Sterling Transaction Fee will not
apply, but you should always try to ind out what the merchant or cash machine
provider's commission charges are and what exchange rate they are using, as
overall it may be more expensive to pay in sterling.
5 Charges for using your debit card
BAR_9913194.indd 12 01/05/2014 09:31
11
We c a n c h a n g e t h e s e a t a n y t i m e . We ' l l t e l l y o u t h e c u r r e n t c h a r g e s w h e n y o u r e q u e s t
t h e s e r v i c e . F e e s m a r k e d w i t h a n a s t e r i s k a r e f r e e t o P r e m i e r B a n k i n g c u s t o m e r s .
S e r v i c e F e e
D i r e c t P r e s e n t a t i o n S e r v i c e ( f o r r a p i d c h e q u e c l e a r a n c e ) £ 2 0
S a m e - d a y t r a n s f e r o f m o n e y t o a n o t h e r b a n k i n t h e U K ( C H A P S ) £ 2 5
B a n k e r ' s d r a f t £ 1 5
S t o p p e d c h e q u e £ 1 2 . 5 0 *
C o p y s t a t e m e n t ( p e r r e q u e s t , p e r a c c o u n t ) £ 5
R e p l a c e m e n t o r a d d i t i o n a l P I N s e n t r y c a r d r e a d e r £ 6 *
P r i o r i t y B a r c l a y s I n t e r n a l P a y m e n t s ( B I P S ) £ 4 0
S t a n d a r d B a r c l a y s I n t e r n a l P a y m e n t s ( B I P S ) £ 2 5
S E PA C r e d i t Tr a n s f e r £ 1 5
R e c e i v i n g c u r r e n c y o r i n t e r n a t i o n a l p a y m e n t s ( o u t s i d e S E PA ) £ 6
C a n c e l l i n g a C H A P S o r i n t e r n a t i o n a l p a y m e n t o r d e r ( o t h e r t h a n c h e q u e ) £ 2 0
B a r c l a y s a f e – o u r s a f e c u s t o d y s e r v i c e
S t a n d a r d s e r v i c e f o r d o c u m e n t s a n d w a l l e t s o n l y
£ 3 p l u s £ 1 0 p e r a c c e s s #
O v e r d r a f t C o n t r o l F e a t u r e £ 8 p e r m o n t h
T h e r e m a y a l s o b e o t h e r t a x e s o r c o s t s t h a t a r e n o t p a i d t h r o u g h u s o r i m p o s e d b y
u s t h a t y o u h a v e t o p a y i n c o n n e c t i o n w i t h y o u r a c c o u n t .
# I n c l u d e s VAT ( VAT n o t a p p l i c a b l e i n t h e C h a n n e l I s l a n d s ) . We r e s e r v e t h e r i g h t t o a m e n d t h e p r i c e
o f B a r c l a y s a f e i n l i n e w i t h a n y c h a n g e i n t h e r a t e s o f VAT.
6 C h a r g e s f o r o t h e r c u r r e n t a c c o u n t s e r v i c e s
o r u s i n g
f c a s h
ency other than sterling
e r l i n g
c h a s e s ,
e e w i l l a l s o a p p l y
o u s h o p o n l i n e o n
v i d e r
y
t i o n i s
m a c h i n e s
t
m a c h i n e
e u s i n g , a s
BAR_9913194.indd 13 01/05/2014 09:31
12 Barclays tariff for personal customers
Examples on our website
You can view examples on our website of charges for making payments
from your account when there isn't enough money.
How and when fees will be taken from your account
• Fees will be taken from your account monthly
• Overdraft and Emergency Borrowing daily fees are calculated on the
daily statement balance
• An Unpaid Transaction Fee is incurred on the day a transaction is
returned unpaid
• We will give you at least 14 days' advance notice on your statement of the
total amount of any of these fees that will be taken from your account
• We work out the monthly charging period from the date you chose for your
statement frequency. The monthly charging period always closes two days
before the date we issue your statement.
Cooling off
If you are not happy with your account, you have a 14-day period in which to
contact us to cancel your account or switch to another account. This period
starts from the date you open your account or the date you receive your
account terms and conditions and other information, whichever is later. If you
contact us within this period to cancel or switch your account, we'll refund any
account fees you may have paid. However, if you cancel or switch your account
later than 14 days, you will not be refunded the account fees that you have
paid. If you wish to cancel or switch your account, you should tell us by writing
to: Barclays Bank PLC, Leicester Servicing Centre, Leicester LE87 2BB.
Getting help
If your deb
from some advice. If y
to discuss y
local br
Alterna
such as
Counselling Service
Importan
We are c
The FSCS can p
inancial obliga
businesses – ar
In respec
For join
of their shar
maximum amoun
total of £
the eligible deposit
joint acc
Barclay
names: Bar
Capital, Bar
Barclay
Barclay
For further in
(including the amoun
local br
0800 6
directed t
7 Other important information
BAR_9913194.indd 14 04/06/2014 12:21
er
turned
y are
f the
or your
o days
y period in which to
t. This period
. If you
fund any
our account
e
y writing
Getting help
If your debts are rising, you could be in inancial dificulty and could beneit
from some advice. If you feel this may apply to you, please contact us
to discuss your inancial position – we're here to help. Simply contact your
local branch.
Alternatively, you can get free independent debt advice from organisations
such as National Debt line (call 0808 808 4000), the Consumer Credit
Counselling Service (call 0800 138 1111) or your local Citizens Advice Bureau.
Important information about compensation arrangements
We are covered by the Financial Services Compensation Scheme (FSCS).
The FSCS can pay compensation to depositors if a bank is unable to meet its
inancial obligations. Most depositors – including most individuals and small
businesses – are covered by the scheme.
In respect of deposits, an eligible depositor is entitled to claim up to £85,000.
For joint accounts each account holder is treated as having a claim in respect
of their share so, for a joint account held by two eligible depositors, the
maximum amount that could be claimed would be £85,000 each (making a
total of £170,000). The £85,000 limit relates to the combined amount in all
the eligible depositor's accounts with the bank, including their share of any
joint account, and not to each separate account.
Barclays Bank PLC may also accept deposits under the following trading
names: Barclays, Barclays Bank, Barclaycard, Barclays Business, Barclays
Capital, Barclays Corporate, Barclays Direct, Barclays UK & Ireland Private Bank,
Barclays International Private Banking, Barclays Premier, Barclays Private Bank,
Barclays Wealth, Woolwich Mortgages.
For further information about the compensation provided by the FSCS
(including the amounts covered and eligibility to claim) please ask at your
local branch, visit the FSCS website fscs.org.uk or call 020 7741 4100 or
0800 678 1100. Please note only compensation-related queries should be
directed to the FSCS.
13
BAR_9913194.indd 15 01/05/2014 09:31
Item ref: 9913194, Revised 06/14
Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority (Financial Services Register No. 122702). Barclays Bank PLC subscribes to the
Lending Code which is monitored and enforced by the Lending Standards Board.
Barclays Bank PLC. Registered in England. Registered No. 1026167. Registered Ofice: 1 Churchill Place, London E14 5HP.
You can get this in Braille, large print or audio by calling
0800 400 100* (via Text Relay if appropriate) or by
ordering online from barclays.co.uk/accessibleservices
Call monitoring and charges information
* Calls may be monitored or recorded for quality and training purposes. Calls to 0800 numbers are free if made
from a UK landline. Calls to 03 numbers are charged at the same rate as calls to 01 and 02 landlines, and will
count towards any inclusive minutes you have covering calls to landline numbers. Charges may apply when
calling from abroad.
Find out more todayCome in to a branch, call 0345 7 345 345*, click barclays.co.uk
Your feedback
We want to hear if you feel unhappy with the service you have received from
us. This gives us the opportunity to put matters right and improve our service
to all our customers.
You can complain at your branch, in writing, by email or by telephone. A lealet
detailing how we deal with complaints is available on request in our branches,
from the Barclays Information Line on 0800 400 100* or at barclays.co.uk.
Alternatively you can write to us at Barclays, Leicester LE87 2BB.
If we do not resolve your complaint internally to your satisfaction, you may
be able to refer it to the Financial Ombudsman Service (FOS) at South Quay
Plaza, 183 Marsh Wall, London E14 9SR (tel: 0800 023 4567). The FOS is an
organisation set up by law to give consumers a free and independent service
for resolving disputes with inancial irms. Details of those who are eligible
complainants can be obtained from the FOS.
The Data Protection Act
Under the Data Protection Act you have a right of access to certain personal
records. If you wish to exercise this right, please write to the Data Protection
Team, Barclays Bank PLC, Knutsford, Cheshire WA16 9EU. We charge a fee
for this service.
BAR_9913194.indd 16 09/05/2014 14:30