Current Accounts
Barclays Current Accounts

Barclays Current Accounts

Barclays offer a range of current accounts which you can compare below.
Our comparison table includes up-to-date information on interest rates, account fees and other important features.
Click on the links provided to apply direct with Barclays.

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Compare Barclays Current Accounts

Barclays Bank Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

35.0%

Minimum Monthly Credit

None

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Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 35.0% EAR (variable). Representative APR 35.0% (variable). Subject to application, financial circumstance and borrowing history.
Product Features

Optional arranged overdrafts. Subject to application, financial circumstances and borrowing history
Manage your money with the Barclays app, Online Banking and more. You must be 18 or over to access this product in the app. T&Cs apply
Join Barclays Blue Rewards* for £5 a month and get access to an Apple TV+ subscription, enhanced savings rates and cashback on your everyday spend. *Eligibility, conditions and a £5 monthly fee apply
Eligibility / Restrictions

Must be aged 18 or over
Must be a UK resident
More info

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TSB Spend & Save Account

Protected
Monthly Fee

Free

Interest Rate

0%

Arranged Overdraft Rate

39.9%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 39.9% (variable).
Product Features

Earn up to £30 cashback if you’re a new customer. £5 per month for 6 months, with 20 debit card payments per calendar month
Get 2.72% AER variable interest on balances up to £25k across 5 Savings Pots. Includes fixed introductory bonus of 1.52% AER for the first 12 months. After 12 months variable interest without bonus will apply. Interest paid monthly
Access to a Monthly Saver paying 6.00% Gross/AER fixed for a year. Save £25 to £250 per month by standing order from your TSB current account. Interest is paid on maturity
Eligibility / Restrictions

Eligible for Cashback if you open a new Spend & Save account, including changing from an existing TSB current account, other than from a Classic. Direct debits and withdrawals not included
UK residents only, 18+
Assumed arranged overdraft of £1200: 39.9% APR representative variable. Subject to application, approval & repayable on demand
More info
TSB Spend & Save Plus Account

Protected
Monthly Fee

£3

Interest Rate

0%

Arranged Overdraft Rate

39.9%

Minimum Monthly Credit

None

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you’ll be charged the equivalent annual rate of 39.9% EAR (variable). Representative APR 40.1% (variable).
Product Features

Earn up to £60 annually, on-going £5 cashback every month, with 20 debit card payments per calendar month
Zero TSB card charges abroad. ATM operators/foreign banks may charge & sellers may apply a currency conversion fee on purchases
Get 2.72% AER variable interest on balances up to £25k across 5 Savings Pots. Includes fixed introductory bonus of 1.52% AER for the first 12 months. After 12 months variable interest without bonus will apply. Interest paid monthly
Eligibility / Restrictions

Eligible for Cashback, if you open a new Spend & Save Plus account, including changing from an existing TSB account (Direct Debits and withdrawals not included)
Up to £100 interest-free arranged overdraft available subject to status
UK residents, 18+ only
More info
Santander Edge current account

Protected
Monthly Fee

£3

Interest Rate

0%

Arranged Overdraft Rate

39.94%

Minimum Monthly Credit

£500

See Deal
Representative Example: If you use an arranged overdraft of £1,200, you'll be charged the equivalent annual rate of 39.94% EAR (variable). Representative APR 39.94% (variable).
Product Features

Earn 1% cashback (up to £10 a month) on selected household bills when you pay by Direct Debit
Earn 1% cashback (up to £10 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)
Access to Santander Edge Saver with 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.00% AER / 1.98% gross (variable) bonus rate for the first 12 months from opening)
Make international payments with no extra fees (the bank receiving the payment may still apply charges). Plus no charges for making CHAPS payments from this account
No Santander fees for using your Santander Edge debit card to withdraw cash and make payments outside the UK in the local currency
Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts
Eligibility / Restrictions

You must be over 18 and live in the UK permanently to open the account
There is a £3 monthly fee for maintaining the account that will automatically be taken from your account each month
To earn cashback and interest, you must pay in £500 each month and have 2 active Direct Debits
You may only hold a maximum of two Santander Edge current accounts, one in your own name and one in joint names
You accept that this is a paper-free account, so documents, statements and some letters will be sent to your secure inbox in Online Banking
To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
More info

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Last updated on 02 March 2023.

Barclays Bank Current Accounts FAQ

Who is Barclays?

Barclays is a British high street bank that offers a range of banking services, such as current accounts, credit cards, loans, mortgages and savings accounts. It operates online and through a large network of branches around the UK.

What services and features does a Barclays current account offer?

Barclays offer a range of current accounts aimed at different markets, including adults, students and children. Its Barclays Bank Account is a free current account that provides users with services like a debit card, an optional overdraft and online banking. However, whether you will be offered these services may depend on eligibility criteria, such as your income and your credit profile.

How much can I borrow through a Barclays Bank Account overdraft?

Although some account holders can be offered an overdraft limit up to £5,000, the exact amount you will be offered will depend on your credit history and other factors that the bank will take into account before offering you credit. Interest and charges are likely to apply, therefore, it’s important to ensure that you check the details of any overdraft and ensure you are happy with the terms before signing up.

What is the Barclays Blue Rewards scheme?

The Barclays Blue Rewards scheme is available to account holders and offers users some extra perks, such as extra cashback from retailers and cash rewards for holding other Barclays products. The scheme has a monthly fee, so it’s important to ensure that the benefits exceed the costs for you before signing up.

Can anyone open a Barclays Bank Account?

Many people will be eligible for a Barclays Bank Account, but during the application process you may need to provide details of your address history, your employment and income and other personal details. These will be used to check if you are eligible for a Barclays current account. Some people with poor credit histories, or problems like CCJs or bankruptcy history in their past, may struggle to be approved for a standard current account.

There will then be further eligibility checks for extra services like debit cards and overdrafts. Anyone who finds that they are unable to open a standard Barclays Bank Account due to poor credit, may be able to open a Basic Barclays Bank Account, which will provide basic banking services but no access to credit.

Can I open a Joint Barclays Bank Account?

Yes, it is possible to open a Barclays current account as a joint account in some circumstances, although you will both have to meet the eligibility criteria, and both be available during the application process.

Can I switch to a Barclays current account?

Yes. Barclays, along with many other banks, will take care of much of the switchover process for you if you would like to switch accounts. However, you will be expected to provide all the required information.

Services offered by this provider may change over time. Always check Ts&Cs.

Barclays Current Accounts

Compare Barclays Current Accounts

Barclays Bank Account

Compare similar products from other providers

TSB Spend & Save Account

TSB Spend & Save Plus Account

Santander Edge current account

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Barclays Bank Current Accounts FAQ