CURRENT ACCOUNTS
Barclays Bank Account + Blue Rewards
Get more from your banking
£5 a month
Eligibility, terms and conditions apply. Cancel any time.
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.
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.
Barclays Cashback Rewards
Earn up to 15% cashback(3) when you spend at selected retailers with the Barclays Visa debit card linked to your Cashback Rewards account. T&Cs apply.
Monthly cash rewards
These are only available until 4 September 2024 – you’ll receive your last cash reward on 3 September 2024 for any cash rewards you earned in August.
Get £5 a month for having two Direct Debits paid from your account, £3 for having or taking out a residential mortgage with us, £1 if you have a Barclayloan*, £1.50 for the first 12 months when you take out life insurance with us and £5 if you choose life insurance with critical illness cover.
* 6.5% APR representative on loans of £7,500 to £15,000 over two to five years (your rate may differ)(4).
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(5)
- Pay the £5 monthly fee
- Have at least £800 paid into your nominated account every month
- Be registered for the Barclays app(6) or Online Banking (from 4 September 2024, you’ll only be able to join using the app)
- Provide your email address.
Already bank with us?
You can add Blue Rewards to your account if you meet the eligibility requirements above.
New to Barclays?
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(6) to get started.
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.
What you get with the Barclays Bank Account
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.
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
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
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.
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.
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
Important information
Read the Barclays Blue Rewards terms and conditions and eligibility information. (Return to reference)
‘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)
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)
The rate you’re offered may differ from the Representative APR shown and will be based on your personal circumstances, the loan amount and the repayment term.
All loans are subject to your financial circumstances and borrowing history at the time you apply. Eligibility and conditions apply. You must be a UK resident to apply. (Return to reference)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)
You need to be 18 or over to access this product or service using the app. Terms and conditions apply(Return to reference)
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)