Cash Card Account
- A debit card account that doesn't let you go overdrawn
- No monthly account fee
- Bank online, by phone or in branch
- No overdraft - ideal if you want to avoid overdraft fees and debt
- Choice of Barclays Visa Debit Card or Cash Card. See Debit cards
- Withdraw up to £300 a day from Barclays cash machines or at post offices (subject to available funds)
- Make payments from your Cash Card Account by Direct Debit or standing order 1
- Manage your account online, by phone or in branch
- Transfer money to other Barclays accounts online or by phone 24 hours a day
- Full monthly statements to help you keep track of your money
Rates & charges for the Cash Card Account are detailed below. These charges and interest rates are variable and the bank reserves the right to amend them from time to time.
Overdrafts and cheque books are not available with the Cash Card Account.
| Payments into your account | Free |
| Issue of Cash Card or Connect Card | Free |
| Paying by Direct Debit / standing order | Free |
| Telephone Banking. Read our call charges and information | Free |
| Sterling cash withdrawal from over 30,000 cash machines in the UK 2 | Free |
| Withdrawing cash over the counter at Barclays in the UK 3 | Free |
| Cash withdrawals from UK Post Offices | Free |
| Statements | Free |
| Issue of bank statements | Free |
| Debit card purchases | Free |
| If you use your Connect Card in the UK to get sterling anywhere other than an ATM or Barclays branch and currency or travellers' cheques anywhere other than a Barclays branch, Barclays website or Barclays Travel Line (excluding cashback when paying for goods using your debit card) | 2% charge (min £1.50, max £4.50) |
| Charge to cover Barclays handling costs and any VISA processing fees (this will be included in the sterling amount shown on your statement) | 2.75% charge |
| An additional transaction charge for all foreign cash transactions via a non-Barclays cash machine or in any bank over the counter 4 | 2% charge (min £1.50, max £4.50) |
| Barclays Direct presentation service | £15 |
| Same day transfer of money in the UK using the CHAPS system | £20 |
| Banker's draft | £10 |
| Copy statement (per request per account) | £5 |
Charges for unpaid Direct Debits and Standing Orders
- If a Direct Debit or Standing Order is due and there is not enough money in your account, the Bank will stop the payment.
- On each day that the Bank stops the payment or payments, a Returned Transaction Fee of £8 (maximum per account per day) will be taken from your account.
- We may decide to cancel permanently some or all of your Direct Debits or Standing Orders if you don't ensure that there is enough money in your account when they are due to be paid. If we do this, we'll write to you and let you know.
Charging dates
- Most charges are applied at the time the service is provided.
- Unpaid Direct Debit and Standing Order charges are applied at the time the charge is incurred.
Important information about compensation arrangements
We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.
In respect of deposits, an eligible depositor is entitled to claim up to £50,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £50,000 each (making a total of £100,000). The £50,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank, including their share of any joint account, and not to each separate account.
For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website www.FSCS.org.uk or call 020 7892 7300.
Barclays Bank PLC may also accept deposits under the following trading names; Barclays, Barclays Bank, Barclaycard, Barclays Business, Barclays Capital, Barclays Commercial, Barclays Corporate, Barclays Financial Planning, Barclays International Private Banking, Barclays Local Business, Barclays Premier, Barclays Private Bank and Barclays Wealth. Deposits accepted from an eligible depositor under these trading names are combined for the purposes of deposit compensation from the FSCS. The FSCS is not applicable to deposits held at branches in the Channel Islands or the Isle of Man.
To open a Barclays Cash Card Account we need confirmation of who you are and where you live. We need two original documents (not photocopies) from the lists below.
To confirm who you are, we need one of the following:
- Full passport
- European Union member state Identity Card
- UK Photocard driving licence or UK full paper driving licence
- Benefit books/benefit entitlement letters; includes pension, Child Benefit, income support, disability and Job Seeker's Allowance
To confirm where you live, we need one of the following:
- UK Photocard driving licence or UK full paper driving licence with current address (if not used as identification)
- Gas bill (less than three months old)
- Water bill (less than three months old)
- Telephone bill for a fixed line (less than three months old), not a mobile phone bill
- Local authority council tax bill (current financial year)
- Bank statement (less than three months old) from another bank (Internet statements are not acceptable)
- Mortgage statement that's less than 12 months old (Internet statements are not acceptable)
- Council rent book (must be current)
- HM Revenue & Customs notice of tax coding (current tax year)
You can't use the same item twice. For joint accounts, we'll need this identification from both of you.
If you want advice on what documents to provide or need help completing the application call us free on 0800 015 4996 6 (Textphone 0800 015 4997).
This could suit you if:
- You want to keep tight control over your money
- You don't want an overdraft
- You'd like the convenience of Online Banking
See our alternative accounts if:
- You want an account with extra benefits
Looking for alternative accounts?
Barclays Bank Account - A basic account with an overdraft
Current Account Plus - Get an interest-free overdraft up to £300 7
1. Make sure you have enough money in your account no later than the day before the payment is due to avoid charges and ensure that the payment is made.
2. Barclays will not charge you for using your card in Barclays, Woolwich or any other cash machine in the UK. Other companies may make a charge but must tell you on-screen before you commit to any transaction. This relates to Sterling transactions in the UK, Channel Islands, Isle of Man and Gibraltar only.
3. Some branches may require advance notice if you request a cash amount over the counter that exceeds your daily ATM withdrawal limit.
4. The Global Alliance consists of banks that have agreed not to charge Barclays customers for using their cash machines. Our Global Alliance partners are: Westpac (Australia, Fiji and New Zealand), Scotiabank (Canada, Guatemala and Mexico), BNP Paribas (France), Deutsche Bank (Spain and Germany), ABSA (South Africa), UkrSibbank (Ukraine) and Bank of America (USA). If you use a cash machine outside the Global Alliance, you may also incur an additional service charge on top.
5. All charges and interest rates are variable and we reserve the right to amend them from time to time.
6. To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad. Read our call charges and information
7. Overdrafts are subject to status and application. All borrowing is repayable on demand. EAR means Equivalent Annual Rate.