How to pay your Barclays credit card
You can pay your Barclays credit card through online banking, the Barclays mobile app, phone, post, or in person at a branch. The fastest method is online or through the app — both process payments the same day if you pay before the cutoff time, usually 4 p.m. You will need your card number and the amount you want to pay, or you can set up automatic payments so the amount transfers on a date you choose each month.
Barclays does not charge a fee for any of these payment methods. The payment reaches your account within one business day for online and app payments, and up to five business days for cheque or post payments. If you are paying from another bank's account, use your Barclays sort code and account number — you can find both on your statement or in the app.
Key Takeaways
- Online banking and the Barclays app are the fastest ways to pay, processing same-day if you pay before 4 p.m.
- You can set up a standing order or automatic payment so money transfers on the same date each month without you having to act.
- Paying by cheque or post takes up to five business days, so send it at least a week before your due date.
- Barclays does not charge fees for any payment method, whether you pay online, by phone, or in person at a branch.
Paying online or through the Barclays app
Log into your Barclays online account or open the Barclays mobile app and select your credit card. Choose "Make a payment" or "Pay now" — the exact wording depends on which version you are using. Enter the amount you want to pay and confirm the payment. If you are paying from a Barclays current account linked to your credit card, the money moves when ready. If you are paying from another bank, enter that bank's details and the payment will arrive within one business day.
You can also set up a standing order through online banking so the same amount transfers automatically each month on a date you choose. This is useful if you want to pay a fixed amount toward your balance without remembering to log in each time. You can change or cancel the standing order at any time through the same menu.
Paying by phone or at a branch
Call Barclays on the number on the back of your card to make a payment by phone. You will need your card number and the amount ready. A representative will take your payment details and confirm the transaction. Payments made by phone before 4 p.m. on a working day usually reach your account the same day.
You can also walk into any Barclays branch with your card and pay at the counter. Bring your card and the amount you want to pay in cash or by debit card. The payment is recorded when ready, though it may take one business day to show on your statement.
Paying by post or cheque
Write a cheque payable to Barclays and include a payment slip from your statement if you have one — it shows your account number and helps the payment reach the right place. Post it to the address on your statement or on your latest bill. Allow at least five business days for the cheque to arrive and clear, so send it at least a week before your due date if you want to avoid late fees.
Do not send cash by post. If you do not have a payment slip, write your credit card number on the back of the cheque so Barclays can match it to your account. Keep a record of when you posted it in case there is a delay.
Setting up automatic payments
Automatic payments (sometimes called direct debits) let you choose how much Barclays takes from your bank account each month. You can set it to pay the full balance, a fixed amount, or the minimum payment. Set this up through online banking by selecting your card, choosing "Manage payments", and following the prompts to link your bank account.
You can change the amount or cancel the automatic payment at any time through the same menu. If you want to pause it for one month, you can do that too. Barclays will send you a reminder before each payment is taken, so you have time to check your balance.
What happens if you miss a payment
If your payment does not reach Barclays by the due date shown on your statement, you may be charged a late fee. The amount varies depending on your card type and your agreement with Barclays. A missed payment also appears on your credit file and can affect your credit score.
If you know you will miss a payment, contact Barclays as soon as possible. They may be able to move your due date or discuss a payment plan. The sooner you contact them, the more options you may have. You can call the number on the back of your card or message them through online banking.
Frequently Asked Questions
How long does it take for a payment to show on my statement?
Payments made online or through the app before 4 p.m. usually show the same day. Payments from another bank take up to one business day. Cheques and post payments take up to five business days. Your statement updates once a day, usually overnight.
Can I pay more than the minimum?
Yes. You can pay any amount up to your full balance at any time. Paying more than the minimum reduces the interest you pay and helps you clear the debt faster. There is no penalty for paying early or paying in full.
What if I pay by mistake or want to cancel a payment?
If you made a payment online or through the app and it has not yet left your account, you may be able to cancel it through the app. Once the payment has been sent, you cannot cancel it. Contact Barclays if you need to discuss a refund or if the payment was made in error.
Do I need to pay the full balance every month?
No. You can pay any amount, including just the minimum payment shown on your statement. However, you will be charged interest on the remaining balance. Paying more than the minimum reduces the total interest you pay over time.
Can I set up a payment from a non-Barclays bank account?
Yes. Use your Barclays sort code and account number when setting up a payment from another bank. You can find these on your statement or in the Barclays app. The payment will arrive within one business day.