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Barclays Additions Plus

Barclays Bank launched a range of packaged bank accounts called 'Additions' in the late 1990s, the Additions Plus Account was part of this range. The fee-paying accounts came with a range of benefits designed to save you money while complementing your lifestyle.

However, between 2008 and 2012 Barclays stopped selling PBAs. In January 2017 the Additions Plus Account was withdrawn and migrated to the Barclays Bank Account or the Premier Current Account with the 'Tech Pack' and/or 'Travel Pack'.

What were the benefits of Barclays Additions Plus account?

The provisions of this account included the following:

  • Worldwide Travel Insurance including winter sports cover - Insurance covered trips last up to 31 days, providing the account holder and their partner are under the age of 80 on the start of any trip.
  • Comprehensive RAC Breakdown cover in the UK and Europe - Includes roadside recovery in the UK, during travel and in Europe.
  • Mobile Phone Insurance - Worldwide cover for mobile phones and smartphones which includes loss, theft, breakdown and accidental damage.
  • Gadget Cover - Tablets, laptops, cameras, video cameras, MP3 players are included in this policy, offering protection against theft, breakdown, accidental and malicious damage.
  • Extended Warranty - An additional one year’s cover on domestic appliances, on top of the standard one-year manufacturer’s warranty and covers breakdown caused by accidental damage.

What was the Barclays Additions Plus Account monthly charge?

The account had a monthly fee of £16, regardless of whether the account was in credit or not.

How was the Additions Plus PBA mis-sold?

Like payment protection insurance (PPI), PBAs were often mis-sold by banks because the suitability of the product wasn't adequately assessed against the consumers’ needs and what the account offered was not properly explained to them.

When Barclays sold customers a Packaged Bank Account, it was their responsibility to outline all the benefits to the customer to ensure that the decision to take out a PBA was right for them.

How could the Barclays Additions Plus Account have been mis-sold to you?

Before considering a packaged bank account, consumers should be made aware of alternative, free accounts that could also work for them.

Many consumers found that there were too many limitations on the policy that they would not have had if they had taken the insurance as a standalone policy. Additionally, consumers may have tried to make a claim on the policy only to find out that they were not covered.

Many consumers did not fully understand how much a packaged bank account was going to cost them per month.

If you are unlikely to use certain packaged bank account benefits, you could lose out. For example, if you don’t drive then breakdown insurance will not be suitable or applicable to your needs.

Please Note: Barclays no longer sell the Additions Plus account.

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