Hi ZCar, welcome to the forum.
It's strange that you haven't been able to open an account at Barclays, it may be worth revisiting and double checking that it was a Cash Card Account that you were trying to open. Failing that, you can either continue having your benefits paid into your parents account until you are discharged, or if you really do need an account in your own name, the accounts with monthly fees will be fine until you are discharged.
I hope this helps.
IVA professional working for Personal Insolvency Experts Liberta Financial
in Newark-On-Trent, Notts.