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CURRENT ACCOUNTS


BARCLAYS BANK ACCOUNT + BLUE REWARDS


GET MORE FROM YOUR BANKING

£5 a month

Eligibility, terms and conditions apply. Cancel any time.

Join Blue Rewards
Compare



BOOST YOUR BARCLAYS BANK ACCOUNT WITH BLUE REWARDS

Get access to enhanced rates on savings, cashback on everyday spending, and an
Apple TV+ subscription – all for just £5 a month. Eligibility terms and
conditions apply.(1).


RAINY DAY SAVER

Put money aside for any unexpected expenses. You’ll earn our highest
instant-access savings rate of 5.12% AER/ 5.00% gross p.a.(2) on balances from
£1 to £5,000, and 1.16% AER/ 1.15% gross p.a. (variable) on balances over
£5,000.

We’re changing our rates from 13th February 2025.

Explore Rainy Day Saver


BLUE REWARDS SAVER

Whatever your goals, you’ll be rewarded with a higher interest rate of 3.56%
AER/ 3.50% gross p.a(2) (variable) in months where you don’t dip in to your
savings, and 1.16% AER/1.15% gross p.a. (variable) in months with one or more
withdrawals. Open with as little as £1.

We’re changing our rates from 2nd December 2024.

See Blue Rewards Saver


BOOST YOUR CASHBACK 

Earn up to 15% cashback(3) when you spend at selected retailers with any
Barclays Visa debit card linked to your Cashback Rewards account. And between 4
September and 30 November 2024, you can earn an extra 1% on top of all your
usual cashback offers (up to £5 per month). Terms, conditions and exclusions
apply.

Explore cashback


APPLE TV+

Enjoy award-winning Apple Original series and films with an Apple TV+
subscription, worth £8.99 a month. Plus, watch every Major League Soccer match
with an MLS Season Pass subscription, worth £14.99 a month during the season.

Explore Apple TV+



HOW TO JOIN BLUE REWARDS

To enjoy Barclays Blue Rewards, you’ll need to:

 *  Be aged 18 or over
 *  Be a UK resident
 *  Have an eligible current account(4)
 *  Pay the £5 monthly fee
 *  Have at least £800 paid into your nominated account every month
 *  Be registered for the Barclays app(5) 
 *  Provide your email address.


ALREADY BANK WITH US?

You can register for Blue Rewards in our mobile app.


NEW TO BARCLAYS?

Open a Barclays Bank Account(6) with us with us and enhance it with Blue
Rewards. You can join in the Barclays app or Online Banking if you have an
eligible current account(4)  with us.

 1. Open the Barclays app
 2. Tap ‘Products’
 3. Tap ‘Barclays Blue Rewards’


APPLY FOR A SOLE BARCLAYS BANK ACCOUNT

To apply for this account you’ll need to:


 * Be aged 18 or over
 * Have a UK mobile number
 * Provide some ID, like a passport or driving licence
 * Download the Barclays app(5) to get started.

Get the app

If you don’t have a UK mobile number, you can apply online instead.


Apply online


APPLY FOR A JOINT BARCLAYS BANK ACCOUNT

To apply for this account, both account holders will need to:


 * Be over 18
 * Have lived in the UK for the last 12 months
 * Complete the application together.

If you have a joint account, only one person can use that account to join Blue
Rewards. The other account holder can join using a different eligible current
account.

For more information on what you could get with a joint account, take a look at
our joint account features.

Apply online


WHAT YOU GET WITH THE BARCLAYS BANK ACCOUNT


MONEY MANAGEMENT TOOLS

Track where and when you’ve spent and stay in control of your cash.

Explore our tools


HELP WHEN YOU NEED IT

Send us a message from the ‘Help’ section of the app or Online Banking and we’ll
let you know when we’ve replied.


TRAVEL WALLET

Buy foreign currency in the Barclays app and use your debit card as a travel
money card.

Explore Travel Wallet


AWARD-WINNING SECURITY

We’re the only bank in the UK to have received kitemarks for our app and Online
Banking.


OPTIONAL OVERDRAFT

Set up an arranged overdraft to suit your needs. Subject to application,
financial circumstances and borrowing history.


APPLE PAY AND GOOGLE PAY

Pay with your device.


INSTANT SPENDING NOTIFICATION

See what you’ve spent at a glance.


PERSONALISE YOUR CARD

Bring your card to life with a photo to make you smile.


INSURANCE PACKS

Add travel insurance, RAC cover and gadget insurance to your account for an
additional fee. You’ll need to have an eligible current account with us. Terms,
conditions and exclusions apply.


PLEASE OPEN AND READ THE GENERAL INFORMATION ABOUT OVERDRAFTS BEFORE YOU APPLY

General information about overdrafts

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.


FREQUENTLY ASKED QUESTIONS

Can I join Blue Rewards with my joint account?

Yes, but only one of the account holders can join Blue Rewards with that
account. The other account holder can also join but they’ll need to use a
different eligible current account. 

Why have you told me you’re cancelling my Blue Rewards membership?

If you’re not getting value for your £5 monthly fee, or you’re no longer
eligible for Blue Rewards, we’ll cancel your membership. We give you at least
two months’ notice before we do this. If during the notice period you become
eligible, or start using enough of the features of Blue Rewards to get value for
your monthly fee, we won’t cancel your membership.

What happens to the features I’ve signed up for if I leave Blue Rewards?

If you have a Rainy Day Saver or Blue Rewards Saver, we’ll change them to our
instant-access savings account available at the time. We’ll be in touch with the
terms for your new account before we make any changes.

Once you’ve cancelled your Blue Rewards membership, you won’t earn Cashback
Rewards on any new spending. You’ll have 40 days to redeem any cashback you’ve
already earned. 

If you’ve subscribed to Apple TV+ or MLS Season Pass and you’re not a Premier
customer, you’ll lose access to this feature (if you already subscribed directly
with Apple, they’ll automatically reinstate your previous paid subscription). 
 
If you leave Blue Rewards, we’ll transfer any cash rewards you’ve earned from
your wallet into your linked current account (we’re removing all cash rewards
from September 2024).


TERMS AND CONDITIONS

Please read these important guides to your rights and responsibilities when
using the Barclays Bank Account


TERMS AND CONDITIONS FOR PERSONAL ACCOUNTS

View terms and conditions


FEE INFORMATION DOCUMENT – BARCLAYS BANK ACCOUNT

View fee information [PDF 307 KB]


TARIFF OF CHARGES FOR PERSONAL ACCOUNTS

View tariff of charges [PDF 396 KB]


IMPORTANT INFORMATION

 1. Read the Barclays Blue Rewards terms and conditions and eligibility
    information. (Return to reference)

 2. ‘Gross’ is the rate payable without tax taken off. ‘AER’ (Annual Equivalent
    Rate) shows what the interest rate would be if interest was paid and
    compounded once each year. Interest is calculated daily using your statement
    balance and paid monthly on the first working day of the month.(Return to
    reference)

 3. Terms and conditions for cashback apply. Barclays Cashback Rewards terms and
    conditions are separate to the Blue Rewards terms and conditions. Spend must
    be on the Barclays Visa debit card linked to your Blue Rewards account. To
    earn cashback, you’ll need to follow the individual retailer offer
    terms.(Return to reference)

 4. These bank accounts aren’t eligible for Barclays Blue Rewards: Barclays
    Basic current accounts, BarclayPlus accounts, young person’s accounts,
    Barclays business accounts, non-personal Barclays wealth accounts, Premier
    Current Accounts and foreign currency accounts. If you have a joint account,
    only one person can use that account to join. The other account holder can
    join using a different eligible current account.(Return to reference)

 5. You need to be 18 or over to access this product or service using the app.
    Terms and conditions apply(Return to reference)

 6. Barclays Bank Account eligibility: you must be aged 18 or over, have a UK
    mobile number, and provide proof of identity, like a passport or driving
    licence.(Return to reference)


OUR PRODUCTS

 * Current accounts
 * Savings
 * Loans
 * Mortgages
 * Insurance
 * Credit cards


HELP

 * Help & FAQs
 * Money worries
 * Report fraud or a scam
 * Report card lost or stolen
 * Access to cash


SITE INFORMATION

 * Important information
 * Accessibility
 * Privacy policy
 * Cookie policy
 * Security


FIND US

 * Find Barclays
 * Service status
 * X (Twitter)
 * Careers

Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority.

Barclays Insurance Services Company Limited and Barclays Investment Solutions
Limited are each authorised and regulated by the Financial Conduct Authority.

Registered office for all: 1 Churchill Place, London E14 5HP


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