Block 6. Barclays Bank Account Why a Bank Account Makes Sense

You'll find managing your money is easier and safer with a bank account.

A Barclays Bank Account allows you to make payments without having to use cash. Your salary can be paid direct into the account. If you have a regular amount to pay out on a specific date each month, you can arrange a standing order or direct debit with your branch so that the bill is paid automatically.

But whether you're paying someone by direct debit, paying in money or withdrawing cash, every transaction will appear on your bank statement. So you'll always be able to keep track of your finances

If you find you need further information about your Barclays Bank Account, or on any financial matter all you have to do is to apply to your branch and talk things over with your Personal Banker or another member of staff.

You don't need to make an appointment. But if you need specific advice on, for example, insurance or investment we'll arrange for you to see one of the Bank's specialists.

A Current Account with Three Options to Choose from

The Barclays Bank Account offers a choice of three options, all with no charges for everyday transactions.

As your needs change you can move from one option to the next without difficulty. To apply for a different option all you need to do is to complete a straightforward application form and we'll do the rest.

Whichever option you choose, your account number does not change. So your Barclays Connect or Barclaybank card, standing orders, direct debits and so on are unaffected.

The Options in Brief

Interest Option

• Cheque book.

• A Barclays Connect or Barclays bank card can be applied for.

• Interest paid quarterly on cleared credit balances.

• A Personal Overdraft facility can be applied for up to a maximum of $5,000.

Instant Option

• A Barclays connect or Barclaybank card can be applied for.

• A higher rate of credit interest than the Interest option.

• Please note a cheque book is not issued with this option and there are no Personal Overdraft facilities.

Flexible Option

• Cheque book.

• A Barclays Connect or Barclaybank card can be applied for.

• A Personal Overdraft facility can be applied for up to a maximum of $5,000.

We also offer students a special version of The Barclays Bank Account, known as The Barclays Student Bank Account. To apply for a Personal Overdraft you must be 18 or over (20 in Jersey). Please note:

Barclays is a responsible lender and when considering your application for an overdraft, your financial circumstances will be appraised.

And remember, if you should run into difficulties, please , contact us immediately.

Full details of each of the options are available in the booklet titled 'How a Bank Account can help you which can be obtained from any Barclays branch or by writing.

Bank Charges

With The Barclays Bank Account, there are no charges for everyday sterling transactions within the UK, whatever your balance. In practice, this means you will not be charged for the following sterling items:

• cheques you write on your account;

• credits paid into your account;

• regular bank statements;

• standing orders or direct debits (within the UK);

• Barclays, Lloyds, Bank of Scotland or Royal Bank of Scotland cash dispenser transactions¹;

• Barclays Connect Entries .

There is no limit on the number of such transactions you can make.

Transactions at other banks or cash dispensers displaying the Visa sign are subject to a 1.5% handling charge.

² Transactions at other banks or cash dispensers displaying the Visa sign are subject to a 1.5% handling charge.

However, for other services including Personal Overdrafts, stopping cheques, safe custody and foreign transactions (eg, transfer of funds to someone overseas, and the negotiation of cheques drawn abroad -whether in foreign currency or sterling), a charge may be made. Further details can be obtained from any Barclays branch. When we make a change to our charges we will provide a revised Personal Customer Tariff before we make the changes.