C
M
Y
K
PMS ???
PMS ???
Examples on our website
Charges for Cheque Account Services
You can view examples on our website of our charges
for making payments from your account when
you haven’t enough money. Please visit our
www.barclays.co.uk/PersonalReserve page and follow
the link to the ‘Examples of our charges’ page.
Cheque account services
Changes to our charges and interest rates
We can change our charges and interest rates in
accordance with the Retail Customer Agreement.
Same day transfer of money
(outside of Barclays) in the UK
using the CHAPS system
£25
Banker’s draft
£15
Copy Statement Charge
(per request, per account)
Stopped cheque
£5
£12.50
Barclays Direct Presentation Service
A summary of current account charges
and borrowing facilities – Barclays Bank
Account with Overdraft Tier
PMS ???
PMS ???
Non-printing
Colours
Non-print 1
Non-print 2
JOB LOCATION:
PRINERGY 3
(available only for customers who add one or more
Pack(s) to their Barclays Bank Account)
£20
Please read this leaflet if you have added a Pack to your current account
Pack Fees
Barclays Bank Account with Overdraft Tier
A Pack is a set of additional Features that can be added
to a Barclays Bank Account for a monthly fee.
On your Barclays Bank Account with Overdraft Tier you
can apply for an interest free overdraft of up to £200.
The following monthly fees apply when you add a
Pack to your Barclays Bank Account:
You can also apply for a larger overdraft facility should
you need one (maximum £5,000) on which interest
will be payable at 19.3% per annum (variable) on
overdrawn balances in excess of £200 (but within
your agreed limit).
Tech Pack
1st working day
of each month
£7.50
Travel Pack
1st working day
of each month
£8.50
Travel Plus Pack 1st working day
of each month
Home Pack
1st working day
of each month
£13.50
£6.00
Representative example:
Up to £200 – 0% interest per annum (variable)
Over £200 and up to £5,000 – 19.3% interest per
annum (variable)
Plus you can apply for Personal Reserve.
All overdrafts and Personal Reserve are subject to
status and application so the amount offered may be
different to that shown on the example. All borrowing is
repayable on demand.
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
To keep a high quality of service, your call may be monitored or recorded for training and security.
*Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or calling from abroad.
#For BT residential customers calls to 0845 numbers will cost no more 4.5p per minute, plus a 13.9p call set-up fee (current at June 2013).
The price on non-BT lines may differ.
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 is also licensed and
regulated by the Ofice of Fair Trading for the provision of credit products to consumers and related services.
Registered in England. Registered No: 1026167. Registered Ofice: 1 Churchill Place, London E14 5HP.
Item Ref: 9912296 Created 07/13
BAR_9912296.indd 1-2
02/07/2013 17:54
2/4
emergency payments, or a transaction will cause
you to exceed the limit of your overdraft.
A summary of our charges
Day-to-day banking services
Issue of Debit Card
Free
Payments into your account
Free
Payment of standing orders and Direct Debits
Free
Telephone Banking and Online Banking
Free
Regular Paper and Online Statements
Free
Issuing of cheque books and payment of cheques
Free
Barclays Text Alerts service
Free+
Introduction to our borrowing services
We may be able to provide you with an overdraft
on your account to help you with your short term
borrowing needs, or a Personal Reserve limit for when
you occasionally need to go overdrawn or exceed your
agreed overdraft limit. All overdraft and Personal
Reserve limits are subject to application and status
and is repayable on demand.
If you are aged over 18 and would like to apply for an
overdraft or Personal Reserve as part of your current
account please contact us.
If we do provide you with an overdraft or Personal
Reserve limit, you should make regular payments
in to your account so that the amount you owe
us is reduced. If you do not do this, we can require
you to do so.
Any transactions that take you above any agreed limits
may be returned unpaid, unless they are Guaranteed
Transactions.
+ You need to register for the Text Alerts Service. To ind out more visit
barclays.co.uk/textalerts
Overdrafts
If you want an overdraft facility you should ask us to
set this up in advance on your personal current account.
If we agree to your request we will provide you with
an overdraft up to an agreed limit.
Personal Reserve
We can provide another type of borrowing service
on your personal current account, which is called a
Personal Reserve. A Personal Reserve is a service that
we can provide in addition to or instead of an overdraft.
Where you have a Reserve you can rely on the
knowledge that we will make additional funds available,
up to a pre-authorised limit, to ensure that your
payments will be honoured if there are insuficient
funds in your account to cover any unexpected or
BAR_9912296.indd 3-4
• If your balance at the end of a working day goes
into your Reserve by exceeding your overdraft limit
by more than £15 (or, if you do not have an overdraft,
by going overdrawn by more than £15) we will charge
you a Reserve Usage Fee.
• The Reserve Usage Fee allows you to make payments
and cash withdrawals from your account up to your
Reserve limit without any further charge for ive
working days in a row (including the working day
you irst use your Personal Reserve).
• On the irst working day after that period we will
charge the Reserve Usage Fee again unless your
account is in credit or the amount you owe us is
within an overdraft limit.
• We will contact you each time you incur a Reserve
Usage Fee.
• We will not charge interest on any amount you borrow
within your Personal Reserve.
• Personal Reserve is only available on sterling accounts
and is not available on current accounts which are
linked to other accounts, such as mortgage accounts.
Reserve Usage Fee
£22 (one fee per period
of ive consecutive working
days starting on the day
on which you go into your
Personal Reserve).
Reserve Interest Rates
We do not charge interest
on sums used from your
Personal Reserve
This is how a Personal Reserve would work if you had
an agreed Reserve limit of £1,000:
Representative example:
0% interest per annum (variable)
Reserve limit – £1,000
One Reserve Usage Fee of £22 for each ive
consecutive working day period from the day
you start using your Reserve.
Your Personal Reserve is intended for short term use
only. If you use your Personal Reserve continuously for
more than a few weeks we may contact you and we
may seek to reduce or restrict your Personal Reserve.
We will review your Personal Reserve regularly and may
increase or decrease it (including removing it entirely).
If we reduce or remove your limit, you will have to pay
our charges for returning payments and/or for making
guaranteed payments if you subsequently attempt to
exceed your revised limit.
advance notice of repayment but we do not have to
give advance notice. Until you repay us in full we will
charge interest and fees (as applicable) at the rates set
out in our additional conditions both before and after
any court order in our favour for repayment.
Our fees when you exceed your limits
You must ensure that you have available cleared funds
in your personal current account to enable us to honour
all your cheque, Debit card, direct debit or standing
order payment instructions or other payment
instructions when we receive them.
Overdraft or Personal Reserve facilities must be agreed
and/or the cleared funds should be available at least
one day in advance before the payment is due to be
taken from your account to honour payment
instructions.
If you exceed (or further exceed) the applicable
payment buffers on your account by:
• going over your overdraft limit by more than £1
and you do not have a Personal Reserve; or
• going over your Personal Reserve limit by more
than £1; or
• going overdrawn by more than £15 and you have
neither an overdraft nor a Personal Reserve on your
personal current account.
then, unless the payment is a Guaranteed Transaction
(which we must honour), the payment will be returned
unpaid. A Guaranteed Transaction is one that we
cannot refuse, for example a payment made by card
when we are unable to check your balance before the
payment is made. When a payment is a Guaranteed
Transaction, we shall honour the transaction but you
will incur a Guaranteed Transaction Fee.
Where the returned payment is made by cheque, direct
debit or standing order, you will incur a Returned
Transaction Fee.
When two or more payments are made at the same
time that would, together, cause you to exceed your
payment buffer then we can decide which payments
are paid and which are returned unpaid unless any of
those payments are Guaranteed Transactions.
We will try to deal with your payments in a way that
minimises the number of unpaid payments and
therefore the number of Returned Transaction Fees you
will have to pay. However this may not always be
possible and we may not be able to honour payments
that you regard as important.
If you have a Reserve, you will continue to be subject
to Reserve Usage Fees (see under Personal Reserve)
while you are in (or in excess of) your Reserve.
Returned Transaction Fee
£8 per item
Guaranteed Transaction Fee
£8 per item
You will not incur more than ive Returned Transaction
Fees and/or Guaranteed Transaction Fees in any one
working day.
If you draw against a sum credited to your account,
such as a cheque, that is subsequently returned unpaid,
then if the reversal of that credit causes your account
to exceed (or further exceed) any of its payment buffers,
you will incur any associated fees, as appropriate.
You will also be expected to make an immediate
payment into your account in order to bring it back
within the appropriate limit.
How and when we apply our fees and
interest charges
• Overdraft interest is calculated on the daily statement
balance and charged to your personal current
account monthly.
• Reserve Usage Fees are incurred on the day on which
you go into your Personal Reserve and applied to your
account monthly. We will write to you each time you
incur a Reserve Usage Fee and will tell you the value
of the fee(s) incurred.
• Returned Transaction Fees are incurred the day an
item is returned and applied to your account monthly.
We will write to you each time you incur a Returned
Transaction Fee and will tell you the value of the
fee(s) incurred.
• Guaranteed Transaction Fees are incurred the day
an item is paid and applied to your account monthly.
We will write to you each time you incur a Guaranteed
Transaction Fee and will tell you the value of the
fee(s) incurred.
• We will give you at least 14 days’ advance notice on
your statement of the total of any overdraft interest,
Reserve Usage Fees, Returned Transaction Fees and
Guaranteed Transaction Fees to be debited from
your account.
• We work out the monthly charging period from
the date you select for your statement frequency.
The monthly charging period always closes two days
before the statement issue date.
Unless we have speciically agreed otherwise with you,
we may require you to repay any or all of your Personal
Reserve at any time. Wherever possible, we will give you
02/07/2013 17:54
2/4
emergency payments, or a transaction will cause
you to exceed the limit of your overdraft.
A summary of our charges
Day-to-day banking services
Issue of Debit Card
Free
Payments into your account
Free
Payment of standing orders and Direct Debits
Free
Telephone Banking and Online Banking
Free
Regular Paper and Online Statements
Free
Issuing of cheque books and payment of cheques
Free
Barclays Text Alerts service
Free+
Introduction to our borrowing services
We may be able to provide you with an overdraft
on your account to help you with your short term
borrowing needs, or a Personal Reserve limit for when
you occasionally need to go overdrawn or exceed your
agreed overdraft limit. All overdraft and Personal
Reserve limits are subject to application and status
and is repayable on demand.
If you are aged over 18 and would like to apply for an
overdraft or Personal Reserve as part of your current
account please contact us.
If we do provide you with an overdraft or Personal
Reserve limit, you should make regular payments
in to your account so that the amount you owe
us is reduced. If you do not do this, we can require
you to do so.
Any transactions that take you above any agreed limits
may be returned unpaid, unless they are Guaranteed
Transactions.
+ You need to register for the Text Alerts Service. To ind out more visit
barclays.co.uk/textalerts
Overdrafts
If you want an overdraft facility you should ask us to
set this up in advance on your personal current account.
If we agree to your request we will provide you with
an overdraft up to an agreed limit.
Personal Reserve
We can provide another type of borrowing service
on your personal current account, which is called a
Personal Reserve. A Personal Reserve is a service that
we can provide in addition to or instead of an overdraft.
Where you have a Reserve you can rely on the
knowledge that we will make additional funds available,
up to a pre-authorised limit, to ensure that your
payments will be honoured if there are insuficient
funds in your account to cover any unexpected or
BAR_9912296.indd 3-4
• If your balance at the end of a working day goes
into your Reserve by exceeding your overdraft limit
by more than £15 (or, if you do not have an overdraft,
by going overdrawn by more than £15) we will charge
you a Reserve Usage Fee.
• The Reserve Usage Fee allows you to make payments
and cash withdrawals from your account up to your
Reserve limit without any further charge for ive
working days in a row (including the working day
you irst use your Personal Reserve).
• On the irst working day after that period we will
charge the Reserve Usage Fee again unless your
account is in credit or the amount you owe us is
within an overdraft limit.
• We will contact you each time you incur a Reserve
Usage Fee.
• We will not charge interest on any amount you borrow
within your Personal Reserve.
• Personal Reserve is only available on sterling accounts
and is not available on current accounts which are
linked to other accounts, such as mortgage accounts.
Reserve Usage Fee
£22 (one fee per period
of ive consecutive working
days starting on the day
on which you go into your
Personal Reserve).
Reserve Interest Rates
We do not charge interest
on sums used from your
Personal Reserve
This is how a Personal Reserve would work if you had
an agreed Reserve limit of £1,000:
Representative example:
0% interest per annum (variable)
Reserve limit – £1,000
One Reserve Usage Fee of £22 for each ive
consecutive working day period from the day
you start using your Reserve.
Your Personal Reserve is intended for short term use
only. If you use your Personal Reserve continuously for
more than a few weeks we may contact you and we
may seek to reduce or restrict your Personal Reserve.
We will review your Personal Reserve regularly and may
increase or decrease it (including removing it entirely).
If we reduce or remove your limit, you will have to pay
our charges for returning payments and/or for making
guaranteed payments if you subsequently attempt to
exceed your revised limit.
advance notice of repayment but we do not have to
give advance notice. Until you repay us in full we will
charge interest and fees (as applicable) at the rates set
out in our additional conditions both before and after
any court order in our favour for repayment.
Our fees when you exceed your limits
You must ensure that you have available cleared funds
in your personal current account to enable us to honour
all your cheque, Debit card, direct debit or standing
order payment instructions or other payment
instructions when we receive them.
Overdraft or Personal Reserve facilities must be agreed
and/or the cleared funds should be available at least
one day in advance before the payment is due to be
taken from your account to honour payment
instructions.
If you exceed (or further exceed) the applicable
payment buffers on your account by:
• going over your overdraft limit by more than £1
and you do not have a Personal Reserve; or
• going over your Personal Reserve limit by more
than £1; or
• going overdrawn by more than £15 and you have
neither an overdraft nor a Personal Reserve on your
personal current account.
then, unless the payment is a Guaranteed Transaction
(which we must honour), the payment will be returned
unpaid. A Guaranteed Transaction is one that we
cannot refuse, for example a payment made by card
when we are unable to check your balance before the
payment is made. When a payment is a Guaranteed
Transaction, we shall honour the transaction but you
will incur a Guaranteed Transaction Fee.
Where the returned payment is made by cheque, direct
debit or standing order, you will incur a Returned
Transaction Fee.
When two or more payments are made at the same
time that would, together, cause you to exceed your
payment buffer then we can decide which payments
are paid and which are returned unpaid unless any of
those payments are Guaranteed Transactions.
We will try to deal with your payments in a way that
minimises the number of unpaid payments and
therefore the number of Returned Transaction Fees you
will have to pay. However this may not always be
possible and we may not be able to honour payments
that you regard as important.
If you have a Reserve, you will continue to be subject
to Reserve Usage Fees (see under Personal Reserve)
while you are in (or in excess of) your Reserve.
Returned Transaction Fee
£8 per item
Guaranteed Transaction Fee
£8 per item
You will not incur more than ive Returned Transaction
Fees and/or Guaranteed Transaction Fees in any one
working day.
If you draw against a sum credited to your account,
such as a cheque, that is subsequently returned unpaid,
then if the reversal of that credit causes your account
to exceed (or further exceed) any of its payment buffers,
you will incur any associated fees, as appropriate.
You will also be expected to make an immediate
payment into your account in order to bring it back
within the appropriate limit.
How and when we apply our fees and
interest charges
• Overdraft interest is calculated on the daily statement
balance and charged to your personal current
account monthly.
• Reserve Usage Fees are incurred on the day on which
you go into your Personal Reserve and applied to your
account monthly. We will write to you each time you
incur a Reserve Usage Fee and will tell you the value
of the fee(s) incurred.
• Returned Transaction Fees are incurred the day an
item is returned and applied to your account monthly.
We will write to you each time you incur a Returned
Transaction Fee and will tell you the value of the
fee(s) incurred.
• Guaranteed Transaction Fees are incurred the day
an item is paid and applied to your account monthly.
We will write to you each time you incur a Guaranteed
Transaction Fee and will tell you the value of the
fee(s) incurred.
• We will give you at least 14 days’ advance notice on
your statement of the total of any overdraft interest,
Reserve Usage Fees, Returned Transaction Fees and
Guaranteed Transaction Fees to be debited from
your account.
• We work out the monthly charging period from
the date you select for your statement frequency.
The monthly charging period always closes two days
before the statement issue date.
Unless we have speciically agreed otherwise with you,
we may require you to repay any or all of your Personal
Reserve at any time. Wherever possible, we will give you
02/07/2013 17:54
C
M
Y
K
PMS ???
PMS ???
Examples on our website
Charges for Cheque Account Services
You can view examples on our website of our charges
for making payments from your account when
you haven’t enough money. Please visit our
www.barclays.co.uk/PersonalReserve page and follow
the link to the ‘Examples of our charges’ page.
Cheque account services
Changes to our charges and interest rates
We can change our charges and interest rates in
accordance with the Retail Customer Agreement.
Same day transfer of money
(outside of Barclays) in the UK
using the CHAPS system
£25
Banker’s draft
£15
Copy Statement Charge
(per request, per account)
Stopped cheque
£5
£12.50
Barclays Direct Presentation Service
A summary of current account charges
and borrowing facilities – Barclays Bank
Account with Overdraft Tier
PMS ???
PMS ???
Non-printing
Colours
Non-print 1
Non-print 2
JOB LOCATION:
PRINERGY 3
(available only for customers who add one or more
Pack(s) to their Barclays Bank Account)
£20
Please read this leaflet if you have added a Pack to your current account
Pack Fees
Barclays Bank Account with Overdraft Tier
A Pack is a set of additional Features that can be added
to a Barclays Bank Account for a monthly fee.
On your Barclays Bank Account with Overdraft Tier you
can apply for an interest free overdraft of up to £200.
The following monthly fees apply when you add a
Pack to your Barclays Bank Account:
You can also apply for a larger overdraft facility should
you need one (maximum £5,000) on which interest
will be payable at 19.3% per annum (variable) on
overdrawn balances in excess of £200 (but within
your agreed limit).
Tech Pack
1st working day
of each month
£7.50
Travel Pack
1st working day
of each month
£8.50
Travel Plus Pack 1st working day
of each month
Home Pack
1st working day
of each month
£13.50
£6.00
Representative example:
Up to £200 – 0% interest per annum (variable)
Over £200 and up to £5,000 – 19.3% interest per
annum (variable)
Plus you can apply for Personal Reserve.
All overdrafts and Personal Reserve are subject to
status and application so the amount offered may be
different to that shown on the example. All borrowing is
repayable on demand.
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
To keep a high quality of service, your call may be monitored or recorded for training and security.
*Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or calling from abroad.
#For BT residential customers calls to 0845 numbers will cost no more 4.5p per minute, plus a 13.9p call set-up fee (current at June 2013).
The price on non-BT lines may differ.
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 is also licensed and
regulated by the Ofice of Fair Trading for the provision of credit products to consumers and related services.
Registered in England. Registered No: 1026167. Registered Ofice: 1 Churchill Place, London E14 5HP.
Item Ref: 9912296 Created 07/13
BAR_9912296.indd 1-2
02/07/2013 17:54