Where to pay your Barclays card online
You can pay your Barclays credit card through the Barclays mobile app, the Barclays online banking portal, or by phone. The online portal and app are the fastest routes — both let you make a payment in under five minutes without speaking to anyone.
To pay online, log into your Barclays account at barclays.com or open the Barclays app on your phone. Select your credit card from the list of accounts, then look for "Make a payment" or "Pay now". You'll enter the amount you want to pay and confirm the transaction. The payment posts the same day if you submit it before the bank's cutoff time, usually 5 p.m. on business days.
If you prefer to pay by phone, call the number on the back of your card. A representative will walk you through the payment over the phone and can answer questions about your balance or due date while you're on the line.
Key Takeaways
- Barclays lets you pay online through their website or app, by phone, or by setting up automatic payments from a bank account.
- Payments made before the daily cutoff (usually 5 p.m. on business days) post the same day; payments after that post the next business day.
- You can pay any amount from $1 upward, including just the minimum due, though paying more than the minimum reduces interest charges.
- Setting up automatic payments ensures you never miss a due date, and you can change or cancel the automatic payment anytime through your online account.
Paying from a bank account you don't use for Barclays
You can pay from any U.S. bank account, even if it's not connected to Barclays. Log into your Barclays account online or in the app, select your credit card, and choose "Make a payment". When prompted, enter the routing number and account number of the bank account you want to pay from.
Barclays will verify the account by depositing two small amounts (usually under $1 each) into that account within one to two business days. You'll then log back into your Barclays account, confirm those two amounts, and the account is verified. After that, you can pay from that account whenever you want without repeating the verification step.
This process takes a few days the first time, so plan ahead if you're setting up a new payment source close to your due date. Once the account is verified, future payments from it post the same day.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. In your Barclays online account or app, go to "Manage automatic payments" or "Autopay" (the exact name varies slightly by account type). Choose the bank account you want to pay from, the amount you want to pay each month, and the day of the month the payment should go out.
Barclays offers three common autopay options: pay the full statement balance, pay a fixed amount you choose, or pay the minimum due. Most people choose to pay the full balance so they don't carry interest charges month to month. You can change or cancel the automatic payment anytime through the same menu — there's no penalty for stopping it.
If you set autopay to go out on the 15th of each month but your due date is the 10th, the payment will post after the due date and you may be charged a late fee. Check your statement to confirm what day your payment is due, then set autopay for a few days before that date.
What to do if a payment fails
A payment can fail if the bank account you're paying from doesn't have enough money, if the account number is wrong, or if the account has been closed. Barclays will send you a notice (usually by email or mail) telling you the payment failed and what went wrong.
Log back into your Barclays account right away and try the payment again using a different bank account or a debit card. If you used autopay and it failed, the automatic payment will try again on the next scheduled date — but you should make a manual payment now to avoid a late fee on your credit card.
If the same payment method keeps failing, contact Barclays at the number on the back of your card. A representative can tell you exactly why the payment isn't going through and help you set up a working payment method.
Paying by mail or phone
You can still pay by mailing a check to the address on your statement. Write your account number on the check, mail it to the address listed under "Payment Address" on your bill, and allow 7 to 10 business days for the payment to reach Barclays and post to your account. Because mail is slow, this method is risky if your due date is coming up soon.
Paying by phone is faster. Call the number on the back of your card and have your bank account information or debit card ready. A representative will process the payment over the phone, and it will post the same day if you call before the cutoff time.
Some Barclays locations also accept in-person payments at the branch, though this is less common than it used to be. Call your local branch or check the Barclays website to see if yours accepts walk-in payments.
Understanding payment timing and your due date
Your due date is the last day you can pay without being charged a late fee. It appears on your monthly statement and in your online account. Payments made before 5 p.m. on the due date post the same day; payments made after that time or on the next day post late.
If you pay online or through the app, the payment posts the same day you submit it (as long as you submit before the cutoff). If you pay by mail, allow at least a week for the check to arrive and be processed. If you pay by phone, the payment posts the same day.
Your statement balance is the total you owe based on transactions through the statement closing date. Your current balance includes transactions made after the statement closed. You can pay either amount, but paying the full statement balance by the due date keeps you from being charged interest.
Paying more than the minimum to reduce interest
Your minimum payment is the smallest amount Barclays will accept each month. It's usually 1 to 3 percent of your total balance, depending on your card and account. Paying only the minimum means you'll carry the rest of the balance forward and be charged interest on it.
If you pay more than the minimum — ideally the full statement balance — you reduce the amount of interest you owe. For example, if your balance is $2,000 and your interest rate is 18 percent per year, paying only the minimum might cost you $30 or more in interest that month, while paying the full balance costs you nothing.
You can pay any amount between the minimum and your full balance. Many people pay what they can afford each month, then work toward paying the full balance once their finances improve. There's no penalty for paying more than the minimum.
Frequently Asked Questions
Can I pay my Barclays card with a credit card or debit card?
You can pay with a debit card when you call Barclays by phone. You cannot pay with another credit card through the online portal or app — Barclays only accepts bank account transfers or debit card payments by phone. Paying a credit card with another credit card usually triggers a cash advance fee anyway, which makes it an expensive way to pay.
What happens if I miss my due date?
If you don't pay by your due date, Barclays will charge a late fee (usually $25 to $40 depending on your card) and report the late payment to the credit bureaus. A single late payment can lower your credit score by 100 points or more. If you miss the due date, pay as soon as you can to stop additional fees from piling up.
Can I pay my Barclays card through a third-party payment app like Venmo or PayPal?
No. Barclays does not accept payments through third-party apps. You must pay directly through Barclays' own website, app, or by phone. Using a third-party app to send money to someone else who then pays Barclays on your behalf is not a reliable way to make a payment and can cause delays.
How long does it take for a payment to show up in my account?
Payments made online or by phone before the daily cutoff (usually 5 p.m. on business days) post the same day. Payments made after the cutoff or on weekends post the next business day. Mailed checks take 7 to 10 business days to arrive and be processed.
Can I set up autopay to pay a different amount each month?
No. Autopay requires you to choose a fixed amount, the full statement balance, or the minimum due. If you want to pay a different amount each month, you'll need to make manual payments. You can set up autopay for the minimum to may support you never miss a payment, then pay extra manually in months when you have the money.