Benefit entitlement letter (from last 12 months).Mortgage statement (from last 12 months).UK credit union statement (from last 3 months).Credit card statement (from last 3 months).Bank account statement (from last 3 months).We accept the following as proof of address UK/EU/EEA photo card driver’s licence (excluding Romanian).Documents we accept as proof of ID include: We’ll require proof of ID and your UK address. Lines are open Monday to Sunday, 8am to 9pm Our team will be happy to help you apply. If you’re unable to apply through the app due to lack of accessibility or another issue, please call to book an appointment. Opening a student account must be done on our app. Tailor your alerts to your personal needs online, by phone or in branch. You can also choose to receive additional alerts, including Low Balance and Large Credit or Debit. If we hold a valid mobile number for you, we’ll automatically enrol you to receive relevant alerts regarding borrowing and refused payments, to help you avoid charges. To use these tools and find out more about overdraft charges, please visit .uk/youroverdraft. Our Eligibility tool can show you the likelihood of getting an arranged overdraft and the overdraft calculator lets you see how much it could cost to use an overdraft. As with any debt or borrowing, this may affect your ability to get credit in the future. Information regarding the conduct of your account may be sent to credit reference agencies. No additional charges will be applied in this situation.

On very rare occasions we may be unable to return a payment (eg due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. Having enough money in your current account or having an arranged overdraft limit could help prevent payments such as priority bills from being returned unpaid.

Barclays will always attempt to return any transaction that could take your account into an unarranged overdraft position.

You can only make payments from your account if you have enough money in your account or through an arranged overdraft to cover them. We charge you for every day of the month that you use your arranged overdraft where you go beyond any interest free limit you may have.Īn 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. It is not suitable for longer-term borrowing. It can be a safety net to cover short-term outgoings, like an unexpected bill. There are two types of overdraft – arranged and unarranged.Īn arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. An overdraft limit is a borrowing facility which allows you to borrow money through your current account.

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