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JOB LOCATION:

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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

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Mon

5 Borr

Daily f

Emer

8 Char

having enough money

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11 Other important inf

How and when f

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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

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Cash Car

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Higher E

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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.


Up to £200 No fee

Over £200 and 75p per day

up to £1,000


up to £2,000



is £5,000

Fee-free overdraft up to £200

(subject to application and status)

while you stay within that limit.


you will be charged £1.50 per day

when you use it.

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BAR_9913194.indd 7 04/06/2014 12:20


Executive Overdraft Daily fees are charged on all balances

within an arranged overdraft limit.




up to £2,000



application and status).


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


arranged overdraft.


Up to £1,000 No fee


up to £2,000


Fee-free overdraft up to £1,000



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


arranged overdraft.


Up to £2,000 No fee



is £3,000


(subject to application, status and

residency) while you stay within

that limit.

Up to £2,000 fee-free. If you use



use it.

Higher E

Graduat

Additions

BAR_9913194.indd 8 06/05/2014 15:17

7


tus).

draft of £2,200

ged £3 per day

draft up to £1,000

tion and status)

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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



is £3,000




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:


Over £1,000 and 50p per day

up to £2,000



is £3,000




For your 2nd year after graduation:

Up to £2,000 – fee-free. If you use



use it.

BAR_9913194.indd 9 06/05/2014 15:17


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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

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ount

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gency

BAR_9913194.indd 11 04/06/2014 12:21


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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

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such as

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7 Other important information

BAR_9913194.indd 14 04/06/2014 12:21

er

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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

Documents

9913194