Yes, you can open most Barclays accounts entirely online
Barclays lets you open a current account, savings account, or junior account from your computer or phone without visiting a branch. The process takes about 15 minutes and you can start using your account the same day in most cases. You will need to verify your identity using your passport or driving licence, and Barclays will check your details against credit reference agencies and fraud databases.
Not every Barclays product is available online. Some specialist accounts, investment products, and business accounts still require a branch visit or a phone call. If you are unsure whether your chosen account can be opened online, check the product page on Barclays.com before you start — it will say "open online" or direct you to call.
Key Takeaways
- You need a valid UK passport or photocard driving licence to open an account online, plus proof you live at your current address.
- Barclays will ask you to download their app or use their website, take a photo of your ID, and answer security questions during the process.
- Your account number and sort code arrive by post within five to seven working days, but you can use your account immediately through the app.
- If identity verification fails, Barclays will tell you why and may ask you to visit a branch or call to complete the process instead.
What you need before you start
Have your valid UK passport or photocard driving licence ready. Barclays will not accept expired documents or paper licences. You will also need proof of your current address — a recent utility bill, council tax letter, or mortgage statement dated within the last three months. If you do not have these, you can use a bank statement from another UK bank, a tenancy agreement, or a letter from your employer.
You will need a UK mobile phone number and an email address. Barclays uses these to send you security codes and account information during the application. Make sure you have access to both before you begin, because you will need to confirm them as part of the process.
If you are not a UK resident or do not have a UK address, you cannot open an account online. You will need to visit a branch or call Barclays to discuss your options.
The online application process step by step
Go to Barclays.com and select the account type you want — current account, savings account, or junior account. Click "open online" and you will be asked to enter your personal details: full name, date of birth, contact information, and current address. Barclays will ask whether you have been a customer before and whether you have any other accounts with them.
Next, you will take a photo of your ID using your phone or computer camera. Barclays uses automated technology to read your passport or licence, so make sure the document is well-lit, fully visible, and not damaged. If the photo fails, you can try again or upload a different document. After this, you will take a selfie so Barclays can match your face to your ID.
Barclays will then ask security questions about your financial history and conduct checks against credit reference agencies and fraud prevention databases. These checks happen in real time, and you will usually know the outcome immediately. If you pass, your account is created and you can set up a PIN and log into the app straight away.
When your account is ready to use
You can use your account through the Barclays app or online banking immediately after you complete the application. You can set up standing orders, make payments, and check your balance right away. However, your physical debit card and cheque book (if you requested one) will arrive by post within five to seven working days.
Your account number and sort code also arrive by post, but Barclays provides these in the app as soon as your account opens. If you need to receive a payment urgently, you can give the person your account number and sort code from the app — you do not have to wait for the letter.
Some features may be restricted until your identity verification is fully complete. For example, you might not be able to set a high payment limit or use international transfers until Barclays has received and processed your proof of address. The app will tell you if any limits apply.
What happens if verification fails
If Barclays cannot verify your identity online, you will see a message explaining why. Common reasons include a blurry photo, a document that is too old, or a mismatch between your photo and your ID. Barclays will tell you what went wrong and give you the option to try again with a different photo or document.
If you fail verification twice, Barclays will ask you to complete the process in a branch or over the phone instead. You can book a branch appointment through the app, or call Barclays on the number provided. A member of staff will verify your identity in person or over a video call, which usually takes 10 to 15 minutes.
Verification can also fail if Barclays suspects fraud or if your credit history raises concerns. In this case, Barclays will contact you to discuss and may ask for additional information. This does not mean you will be refused — it means Barclays needs to do extra checks before opening your account.
Accounts you cannot open online
Barclays business accounts, sole trader accounts, and partnership accounts cannot be opened online. You will need to visit a branch or call the business banking team. Some specialist savings accounts and investment products also require a phone call or branch visit.
If you are under 18, you can open a junior account online if a parent or guardian completes the application with you. Both of you will need to verify your identity. Some junior accounts have restrictions on what you can do until you turn 18, so check the product details before you apply.
After your account opens: next steps
Once your account is open, set up your online banking security. Create a strong password, enable two-factor authentication, and register any devices you plan to use. Barclays will send you security codes by text message or through the app when you log in from a new device.
If you are switching from another bank, you can use the Current Account Switch Service to move your payments and standing orders automatically. This takes seven working days and Barclays will guide you through it in the app. You do not have to use this service — you can move money manually if you prefer.
Check your account settings to make sure your contact details are correct and that you have chosen how Barclays contacts you. You can opt out of marketing emails and choose whether to receive statements by post or online only.
Frequently Asked Questions
How long does it take to open a Barclays account online?
The application itself takes about 15 minutes. Identity verification happens in real time, so you usually know whether you have been accepted immediately. Your debit card and cheque book arrive within five to seven working days, but you can use your account through the app straight away.
Can I open an account if I do not have a UK driving licence or passport?
No, Barclays requires one of these documents for online applications. If you do not have either, you can visit a branch with alternative ID — such as a national ID card from another country — and staff will help you open an account in person.
What if I fail the identity check?
Barclays will tell you why and let you try again with a clearer photo or different document. If you fail twice, you can complete the process in a branch or over the phone instead. A member of staff will verify your identity for you.
Can I open a joint account online?
Yes, you can open a joint current account online. Both account holders will need to verify their identity separately using their own passport or driving licence. You will both need to be present during the application process.
Do I need to visit a branch after opening my account online?
No, you do not need to visit a branch unless you want to deposit cash or cheques. You can manage everything else through the app or online banking. If you need to deposit cash regularly, ask Barclays about their cash deposit services or find a nearby branch with a cash machine.