Barclays doesn’t charge a monthly fee on the Barclays Bank Account or the Premier Current Account. What you can pay for is borrowing (an arranged overdraft at 35.0% EAR representative, variable), using your debit card in a foreign currency (2.99%), and a handful of services such as CHAPS or international payments made in a branch.
This page is part of our guide to Barclays. The fees come from Barclays’ tariff for personal customers (correct as at 1 June 2025, and linked as current from its service charges page on 28 September 2026) and its overdraft charges page.
Monthly fees
| Account or add-on | Monthly fee |
|---|---|
| Barclays Bank Account | Free |
| Premier Current Account (eligibility criteria apply) | Free |
| Barclays Blue Rewards (optional, on an eligible current account) | £5 |
| Barclays Avios Rewards (optional, Premier or personal Wealth current account) | £12 |
Blue Rewards needs at least £800 paid into your nominated account each month, and Premier needs a gross annual income of £75,000 paid in or at least £100,000 in savings or eligible investments with Barclays. What each includes is covered in our Barclays overview. Barclays takes the reward fees on the second working day of the month.
Overdraft charges
| Account | Interest-free amount | Rate above it | Representative APR (on £1,200) |
|---|---|---|---|
| Barclays Bank Account personal overdraft | None | 35.0% a year (variable) | 35.0% |
| Premier Current Account | £500 | 35.0% a year (variable) | 19.5% |
| Student Additions and Higher Education accounts | 0% interest on arranged overdrafts, up to Barclays’ limits | Not applicable | 0% |
How Barclays charges it:
- Interest is worked out for each day you’re overdrawn and taken from your account monthly, at least 14 days after your statement date.
- Temporary cap: Barclays is limiting overdraft interest on personal current accounts to £180 per monthly charging period, until further notice. It says the cap doesn’t change the terms of your overdraft agreement.
- If you pay in enough to clear your arranged overdraft before 6:30pm, there’s no interest for that day.
- Barclays doesn’t offer unarranged overdrafts. It tries to return any payment that would take you past your limit, charges no fee when a payment is returned for lack of funds, and says it won’t charge interest if you go over your arranged limit.
- Arranged overdrafts are subject to application and are repayable on demand.
Worked example. Barclays’ own tariff example: borrowing £500 on its personal overdraft costs £2.88 in interest for 7 days, £12.45 for 30 days and £25.21 for 60 days. On a Premier Current Account the same £500 would cost nothing, because it’s within the £500 interest-free amount. Premier interest is charged only on the part of an overdraft beyond that interest-free amount.
Before relying on an overdraft for more than a few days, compare it with other ways to borrow; our overdraft guide explains how overdrafts work across UK banks.
Using your debit card abroad
| What you do | Barclays fee |
|---|---|
| Pay, withdraw cash or get a refund in a currency other than sterling (abroad, or online at a non-UK website) | 2.99% non-sterling transaction fee (waived on the black Premier debit card from 28 September 2026 to 27 September 2027, see below) |
| Load euros or US dollars into the app’s travel wallet | 2.75% of the sterling amount, when you load it |
| Spend or withdraw cash from the travel wallet | No Barclays fee (the cash machine may charge) |
| Choose to pay in sterling at a foreign till or cash machine | No Barclays fee, but the merchant or machine sets the rate and commission |
Barclays’ June 2025 tariff has no separate fixed fee for cash withdrawals abroad: the 2.99% fee covers purchases and cash alike. It converts transactions at the Visa exchange rate, usually on the day the payment is authorised, though occasionally on the day it’s processed, a day or two later.
Premier offer: as of 28 September 2026, Barclays’ Premier Current Account page says foreign currency purchases and cash withdrawals with the black Premier debit card are free of the 2.99% fee from 28 September 2026 to 27 September 2027 (terms apply); confirm the offer with Barclays before you travel.
Worked example. Barclays’ travel page shows a €100 purchase or cash withdrawal, converted at £90.22, costing £2.70 in fees, a total of £92.92. On a £200 spend the fee is £5.98. Loading £200 into the travel wallet instead costs £5.50 upfront, with nothing more to pay when you spend it (the two use different exchange rates, so compare the amount of currency you’d get too). How much cash you can take out in a day is on our Barclays ATM limit page.
Payment fees
| Payment | Fee |
|---|---|
| Faster Payment to a UK account | Free |
| CHAPS (same-day) in Online Banking, personal and Premier | £0 |
| CHAPS in a branch or by Telephone Banking | £25 |
| Cancel a CHAPS payment | £20 |
| International payment in the app or Online Banking | £0 |
| International payment in a branch or by Telephone Banking | £25 |
| SEPA Credit Transfer (euro payment), any channel | £0 |
| Receive an international payment of £100.00 or less | £0 |
| Receive an international payment of £100.01 or more | £6 |
| Receive a SEPA Credit Transfer or a euro payment from the EEA | £0 |
| Cancel an international payment order | £20 |
| US dollar cover charge (sending dollars to an account outside the US) | £3 |
| Optional overseas bank charge, so the recipient gets the full amount | £4, £6 or £12, depending on the country |
When a payment needs a currency conversion, Barclays uses its reference exchange rate and adds a conversion charge of up to 2.75% for personal and Premier customers. On transactions over £25,000 the charge gets smaller as the amount grows. How much you can send in a day, and how CHAPS works for a house purchase, is on our Barclays transfer limit page. For the details someone abroad needs to pay you, see our Barclays sort code, IBAN and BIC guide.
Other charges
| Service | Fee |
|---|---|
| Temporary debit card (urgent replacement, collected from selected branches, valid 28 days) | £12 |
| Banker’s draft | £15 |
| Stopping a cheque (free for Premier customers) | £12.50 |
| Tracing, recalling, cancelling or changing a payment | £20 |
| Direct Presentation Service | £20 |
| Returned foreign cheque | £7 |
| Replacement or additional PIN card reader | £6 |
Barclays only charges the tracing fee if you gave it incorrect details, such as a wrong sort code or account number. If you open an account and change your mind, you can cancel or switch within 14 days and Barclays refunds any account fees you’ve paid.
If you think Barclays has charged you wrongly, or you want to report fraud on your account, the contact numbers are on our Barclays customer service page.