Premier Current Account
Take your banking to the next level
No monthly fee
Eligibility criteria applies.
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Premier eligibility
You’ll need to have a current account with us and either pay in a gross annual income of at least £75,000 – or have a total balance of at least £100,000 in savings with us, in eligible investments, or a mix of both(1).
If your payments or balances drop below what you need to stay with Premier, we’ll let you know.
¹Open and complete a Premier Current Account application in the app within 21 days. Switch and pay in a minimum £5,000 salary within 30 days. T&Cs and Premier eligibility criteria apply. New customers, 18+ and UK residents only. ²Additional reward subject to qualifying for the switch reward first and meeting ongoing eligibility criteria including 10 monthly eligible debit card transactions.
Get the most from being a Premier customer
Discover a world of Premier benefits and perks, with access to exclusive savings rates and mortgage options, 24/7 UK-based support and higher payment limits.
Premier Financial Guides
Your dedicated team of Premier Financial Guides is here to help you with those key moments in life – whether you’re moving house, planning for your future or thinking about retirement.
More Premier benefits
Barclays Avios Rewards
Join Barclays Avios Rewards for £12 a month and collect Avios to put towards your next trip with British Airways. Eligibility and conditions apply(2).
Barclays Cashback Rewards
Earn cashback whenever you spend at participating retailers. Register for cashback to get started. T&Cs apply(3).
Premier mortgage options
Get closer to your dream home with our exclusive mortgage options - plus a higher annual overpayment allowance(5) , giving you more flexibility to pay off your mortgage.
Fee-free FX with your black Premier debit card
Enjoy fee-free foreign currency purchases and cash withdrawals with your black Premier debit card from 28 September 2026 to 27 September 2027. Spend abroad without paying the 2.99% non-sterling transaction fee. Terms and conditions apply.
Enhanced savings rates
Give your savings a boost with Rainy Day Saver and Blue Rewards Saver.
Fee-free FX with your black Premier debit card
Enjoy fee-free foreign currency purchases and cash withdrawals with your black Premier debit card from 28 September 2026 to 27 September 2027. Spend abroad without paying the 2.99% non-sterling transaction fee. Terms and conditions apply.
Important: You'll need to pay using your black Premier debit card to qualify. Other Barclays cards aren't included and the usual foreign transaction fees will continue to apply when you use them. Exchange rates and other fees may still apply. Fees still apply when adding money to a Travel Wallet and some overseas cash machine providers may charge a fee for cash withdrawals.
Premier Current Account features
Account benefits you can enjoy as part of Premier.
Exclusive black debit card
Get your exclusive black debit card or personalise your card with an image that’ll make you smile.
Interest-free arranged overdraft up to £500
As a Premier customer, you can apply for an interest-free arranged overdraft of up to £500. Overdrafts, including interest-free amounts, are subject to application, financial circumstances and borrowing history.
How does our overdraft compare?
A good way to compare the cost of our overdraft with other overdrafts, or other ways of borrowing, is to look at the APR – annual percentage rate. The APR shows the cost of borrowing over a year.
Representative example
0% interest (variable) payable on arranged overdrafts up to £500. If you use an arranged overdraft above this amount, the annual rate of interest is 35.0% (variable).
19.5% APR Representative (variable) based on a £1,200 overdraft balance. You can find out more about our interest charges using our overdraft calculator – just select ‘Premier Current Account’ from the drop-down list.
Overdrafts are repayable on demand and you must be over 18 and a UK resident to apply. You can contact us at Barclays, Leicester, LE87 2BB. Arranged overdrafts are subject to application, financial circumstances and borrowing history.
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 .
More Premier Current Account features
Apple Pay, Google Pay and Samsung Pay
Pay with your device, with privacy and security built in.
Higher payment limits
Transfer larger amounts in Online Banking and our app.
Larger withdrawals
Your black debit card lets you withdraw more from cash machines – up to £2,000 every day(6).
Instant spending notifications
See what you’ve spent at a glance.
Money management tools
Track what and when you’ve spent and stay in control of your cash.
Direct Investing
With Direct Investing, it’s free to hold your investments with us(7). Other charges, such as trading fees, apply. We have Ready-made options, or you can choose from thousands of shares, funds and bonds. Capital at risk.
Travel wallet
Buy euros or US dollars in the Barclays app and use your existing debit card as a travel money card.
Insurance packs
Add travel insurance, RAC cover and gadget insurance to your account for an additional fee. T&Cs apply.
Award-winning security
We’re the only bank in the UK to have received Security Digital Banking kitemark for our app and Online Banking.
Apply for a sole Premier Current Account
To apply for this account in the app, you’ll need to:
- Be aged 18 or over and not in full-time education
- Pay in a gross annual income of at least £75,000 or have at least £100,000 in savings with us, in eligible investments or a mix of both. Eligible investments are Investment ISAs, SIPPs or General Investment Accounts held through Direct Investing or Barclays Investment Solutions Limited.
- Have a UK mobile number
- Provide proof of identity, like a passport or driving licence.
Download the Barclays app(8) to get started.
If you don’t have a UK mobile number, you can apply online instead.
Apply for a joint Premier Current Account
To apply for this account, both accounts holders will need to:
- Be aged 18 or over and not in full-time education
- Have lived in the UK for at least 12 months
- Pay in a gross annual income of at least £75,000 or have at least a combined £100,000 in savings with us, in eligible investments or a mix of both. Eligible investments are Investment ISAs, SIPPs or General Investment Accounts held through Direct Investing or Barclays Investment Solutions Limited.
The other account holder will need to be with you during the application.
For more information on what you get with a joint account, take a look at our joint account features.
Already bank with us?
Log in to your app or Online Banking and upgrade to a Premier Current Account. If you’d like to talk to us in person, you can book an appointment for a time that suits you.
Legal Information
Barclays offers banking and credit products to its clients through Barclays Bank UK PLC. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP
Barclays offers investment products and services to its clients through Barclays Bank PLC and its subsidiary companies.
Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is a member of the London Stock Exchange and Aquis. Registered in England. Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.
Barclays Investment Solutions Limited is authorised and regulated by the Financial Conduct Authority and is a member of the London Stock Exchange and Aquis. Registered in England. Registered No. 02752982. Registered Office: 1 Churchill Place, London E14 5HP.
Open a Premier Current Account
Scan the QR code using your phone camera to get started
Scan the QR code with your phone or tablet, or tap the App Store or Goolge Play buttons below to download the app and begin your application. T&Cs and eligibility apply. 18+ and UK only.
Terms and conditions
Please read these important guides to your rights and responsibilities when using the Premier Current Account.
Terms and conditions for personal accounts
See terms and conditionsTariff of charges for personal accounts
Important information
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Eligible investments are Investment ISAs, SIPPs or General Investment Accounts held through Smart Investor or Barclays Investment Solutions Limited.(Return to reference)
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You can opt in to Barclays Avios Rewards if you’re a Premier Banking customer or have a Wealth current account with us – you’ll need to register for the Barclays app and have a British Airways Club Account too. There’s a £12 monthly fee and you have to opt out of Barclays Blue Rewards and go paperless for all your accounts and services with us. To access Barclays Avios Rewards in the Barclays App, you need to be over 18. You can join Premier Banking if you have an income of £75,000 or £100,000 held in savings or investments with us. T&Cs apply.(Return to reference)
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Barclays Cashback Rewards is provided by Visa through its supplier Reward. The Visa Terms and Conditions for Barclays Cashback Rewards are separate to the Blue Rewards terms and conditions – you’ll need to accept these to register for cashback. (Return to reference)
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To maintain a quality service, we may monitor phone calls. Call charges.(Return to reference)
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Our mortgage overpayment allowance has increased from 10% to 25% per year. This only applies to new fixed-rate Premier-exclusive mortgages and remortgage rates. It doesn’t apply when you switch to a new rate with us after the initial term. Our tracker mortgages already have a 25% overpayment allowance.
Subject to application, financial circumstances and borrowing history. T&Cs apply. Your home may be repossessed if you do not keep up repayments on your mortgage.((Return to reference)
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Subject to status and available funds. Individual cash machine limits may apply. You need to increase your cash machine withdrawal limit from £1,000 to £2,000 in the Barclays app.(Return to reference)
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We've removed our monthly customer fee for Investment ISAs and Investment Accounts held with Direct Investing. Other charges, such as trading fees, apply related to your account activity. Full details on barclays.co.uk/direct-investing-fees. Customer fee is defined as the amount you pay to hold your investments with us and is sometimes referred to as a custody fee. This was charged as a percentage of the value of your investments (excluding cash) across your accounts and was taken monthly. (Return to reference)
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You need to be 18 or over to access this product or service using the app. T&Cs apply. (Return to reference)