Annual Summary

23 Dec 2017 - 22 Dec 2018

Account name: Miss Lenuta-Camelia Agapie

MISS LENUTA-CAMELIA AGAPIE Sort code: 20-77-62
381 YARDLEY ROAD Account number: 53237052
YARDLEY
BIRMINGHAM
B25 8NB

Barclays Bank Account

A reminder of your benefits
Here are just some of the benefits of your account.
You'll find more information about them on later pages.
Access to our national network of branches
Your Annual Summary 24/7 Online, Telephone and Mobile Banking, plus
Text Alerts
Welcome to your Annual Summary. We will Contactless debit card for easier payments (subject to
send this summary of information about your status), which you can personalise with a photo or
current account once a year. If you have more gallery image
than one current account, you'll receive a
separate Annual Summary for each of them. Your charges for the past year
Fees incurred and applied – see page 2
What's in this summary Any charges you've paid for transactions while overdrawn
In your Annual Summary, you'll find a reminder Summary of charges – see page 2
of interest, fees and charges you have paid or
received during the previous 12 months (if there Credit interest – see page 2
have been any). You'll also find details of the
fees, charges or interest rates that are relevant
to you. We've also included information on the
features of your current account to help you
make the most of them, correct on the day we Facts box
produced this summary. Your fees, features and Average balances
benefits may change in line with your account Average balance while in credit £298.84
terms and conditions. Average balance while overdrawn –£4.36

Do I need to do anything?
The information you see here has already been
shown on your statements in the past year, so
please check them if you're unsure of anything.
If you have questions about your Annual
Summary, or want to talk about how you could
manage your account differently to minimise
any future charges, call us on 0345 7 345 345 or
come into a branch. We'll be happy to help.

Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority (Financial Services Register 759676). Registered in England. Registered No. 9740322. Registered
Office: 1 Churchill Place, London E14 5HP. page 1 of 4
 About your account About your account continued

If you've changed account Using your account

If you've changed to a different Barclays current account or To help prevent you from incurring fees, if you stop using
changed any Packs during the last 12 months, we try to your account and it becomes overdrawn we may switch
include information from both before and after the change you to an alternative account or close your account. If we
to give you as full a picture as possible of your whole year's wish to do this, we'll write to you at least two months
banking. Sometimes, we can only include information from beforehand explaining your options.
the new account or Pack(s).

Our fees if you exceed your limits Your charges for the past year
If you try to make a payment from your current account These are not new fees and have all been shown, or will be
that would cause you to exceed any arranged borrowing shown, on your regular statements. There's nothing more to
limits (including any overdraft and/or Emergency pay. Any interest, fees or charges we have refunded to you
Borrowing facilities on your account) then, unless it is a have also been shown, or will be shown, on your regular
transaction which we must honour, it will be returned statements.
without being paid.
– When we have to return a payment unpaid, an Unpaid Fees incurred and applied
Transaction Fee of £8 will apply (unless you have the
Description no of fees £ per fee Total £
Control Feature & pay a monthly fee to avoid paying
Unpaid Transaction Fees). You will not incur more than Unpaid Transaction Fee 1 8.00 8.00
one Unpaid Transaction Fee on any working day. This is for returning attempted payments that
you did not have enough money to cover
– We can vary our fees from time to time in line with our (including any arranged borrowing)
Retail Customer Agreement. If we do this, we will write to Total 8.00
let you know.
If you'd like to minimise your fees in future and see where
– For more about our fees, please read the 'Our Bank Charges you could save, we'd be happy to talk to you about how you could
Explained' leaflet which you can find at barclays.co.uk or at manage your account differently to reduce or even avoid them.
any branch. For more information, please call us or come and see us at
a branch.
Summary of Emergency Borrowing and Unpaid
Transaction Fees Summary of charges
Barclays Current Barclays Current Unless stated otherwise, this is a summary of all fees and charges you
Account Account with have paid on your account over the past year.
Emergency Description Total £
Borrowing
Fees incurred and applied 8.00
Unpaid Transaction Fees £8 per day £8 per day Total 8.00

Maximum No. of Unpaid Fees 4 (£32) 4 (£32) If your account is overdrawn and you don't pay off the full
per charging Period amount you owe, any credits paid into your account go first to pay
off any fees. Once these are paid, your payments go towards
Emergency Borrowing Daily n/a £5 per day repayment of your borrowing over agreed limits, your Emergency
Fee Borrowing facility (if you have this facility & have used it) and
finally towards repayment of your overdraft facility
Maximum No. of Emergency n/a 7 (£35)
Borrowing Fees per charging
Period
Credit interest
Monthly Maximum Charge £32 £67

Monthly cap on unarranged overdraft charges Credit interest rates

1. Each current account will set a monthly maximum charge for: This account does not pay credit interest.
• going overdrawn when you have not arranged an overdraft; or
• going over/past your arranged overdraft limit (if you have
one).
2. This cap covers any:
• interest and fees for going over/past your arranged overdraft
limit;
• fees for each payment your bank allows despite lack of funds;
and
• fees for each payment your bank refuses due to lack of funds.
This is a standard definition of the monthly maximum charge that all
banks are required to use. It doesn't include:
• charges for using an arranged overdraft
• charges for additional features, e.g. the cost of Packs for
Continued
customising your account
Further details can be found online at
barclays.co.uk/youroverdraft

Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority (Financial Services Register 759676). Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place,
page 2 of 4 London E14 5HP.
 A reminder of your benefits Benefits and their key exclusions and
limitations
To help you make the most of your account,
here's a list of your account features and how Barclays Personalised Card
to access them, correct at the time we
You can now personalise your debit card with a photo or
produced this summary. gallery image (image guidelines apply) free of charge
What you need to do More details can be found at
You may need to register for benefits barclays.co.uk/personalisedcard
While some of the benefits are available to you automatically, Other things you need to know Your card number will
you may need to register for others - you'll see how below. change - if you have registered your card on any internet
shopping sites or have any recurring payments set up on your
You'll find more about your benefits, details of all exclusions card, you may need to update the details.
and limitations, and your account terms and conditions at
barclays.co.uk/welcomepacks.
Barclays Blue Rewards
Do you need to check, update or register Earn rewards :
for anything? A Loyalty Reward every month for banking with us
When you've had a look at the list below, you may want to A Home Insurance Loyalty Reward for taking out or renewing
get in touch for more information, to register for benefits or your personal home insurance with us
to let us know if anything has changed. You can call A Mortgage Loyalty Reward for taking out a new residential
0345 7 345 345, click barclays.co.uk, or visit any branch. mortgage or remortgaging with us
Enhanced cashback when you shop with our SmartSpend
partners, including Expedia
Benefits and their key exclusions and Save money :
limitations Get money off your everyday spending - and great prices on
quality brands

Banking 24/7, wherever you are Make it yours :

See all of the rewards you've earned in your Rewards Wallet,
Telephone Banking for secure and confidential access to your and choose what you'd like to do with them
account by phone
Online Banking that lets you pay bills, transfer money and
check your statements securely
Mobile Banking with the same level of security as Online
Banking, so you can do your banking from your smartphone
What you need to do Call us to register for Telephone
Banking. For Online Banking, go to barclays.co.uk and click the
registration button that's at the top right hand of every page.
And to access Mobile Banking, open a web browser on your
mobile and type barclays.mobi into the bar at the top of the
browser window.

SMS Text Alerts

Useful alerts that allow you to keep track of your money
through texts sent to your mobile phone.
What you need to do Register and maintain text alerts in
branch, over the phone or in Online Banking. To find out more
visit barclays.co.uk/textalerts.
Other things you need to know You can build your own
personal package from our range of text alert services including
alerts to keep you out of the red such as Low balance and
Overdraft alerts, and alerts to keep you informed such as
e-statement alerts and large debit alerts.

Online Statements
Secure, paper saving, easy to access
Print or save a statement from your account
Build up a record of statements from when you register
What you need to do As long as you're registered for Online
Banking, choose Manage Statements from the At A Glance
screen. Or register at a branch or by calling Telephone Banking,
if you have a Telephone Banking passcode.

Continued

Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority (Financial Services Register 759676). Registered in England. Registered No. 9740322. Registered Office: 1
Churchill Place, London E14 5HP. page 3 of 4
 Help is at hand

Get in touch
If you would like to talk to us about your account or about
any of the information here, please get in touch. We'll be
happy to help.
Our main number 0345 7 345 345 Talk to an adviser 24/7

From abroad +44 2476 842 100 Open 24/7

Write to us Barclays, Leicester LE87 2BB

Dispute resolution
If you have a problem with your account, please let us try to
solve it for you first. Then, if you are not happy with how we
handled the problem, you may be able to complain to the
Financial Ombudsman Service. If you do not take up your
problem with us first, however, the Ombudsman will not
look into it until you have. We can provide details of how to
contact the Ombudsman, should you need to.

You can get this in Braille,

large print or audio by calling
0800 400 100
(via Text Relay if appropriate) or
by contacting your branch.
If you call us
Call charges will apply (please check with your service
provider). We may monitor or record calls for quality,
security and training purposes.

Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority (Financial Services Register 759676). Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place,
page 4 of 4 London E14 5HP.