As a convenient, flexible way to make payments, credit cards are hard to beat. We do our best to help you stay in control, with convenient ways to manage your account and support you when finances are a little tight.
Ways to make payments
Terms, conditions and restrictions apply. You must have a Barclaycard account and be aged 18 or over to use the Barclaycard app
Once your Barclaycard(s) arrives, you can register for a Barclaycard online account to make payments online, get instant decisions when you request a change to your credit limit and review your spending.
Just call your bank and give them your roll number on your Barclaycard(s), as well as the details below:
Our sort code: 20-04-15
Our account number: 38290008
You can pay by cheque, making sure your postcode and roll number(s) on your Barclaycard(s) are written on the back.
By Direct Debit
This is the easiest way to pay. Once you’ve set the amount and date that payments leave your account, they’re made automatically so you don’t have to worry about missing one.
To set up a Direct Debit, go to your Barclaycard account or call us on:
0800 151 0900 or 0333 200 9090 call charge information
If you’re paying by cheque or postal order, make sure you write your postcode and roll number(s) of your Barclaycard(s) on the back. Then post it, along with a completed Bank Giro slip, at least 4 working days before it’s due.
Post your payment to:
Understanding your credit card(s) costs
To help you get the most out of your credit card(s), here’s a brief explanation of some of the costs involved. If you’re interested in a particular card(s), you’ll find more specific charges in its terms and conditions or card(s) summary.
If you pay off your balance when it’s due every month, you won’t have to pay any interest whatsoever. However if you need more flexibility and don’t pay your balance in full, the minimum interest you would pay is £1.
Interest we charge is based on the Average Daily Balance of your account, which is the total of your outstanding balances every day, divided by the number of days that month. So the sooner you make a payment to your account, the less interest there is to pay.
The longer you take to pay off your balance, the more interest you’ll end up paying. Use our free Repayment Calculator to see how much interest you could save by paying a little bit more each month – and how you could pay off your balance years sooner.
If you’re currently paying interest on credit card balances, you could save money by transferring them to one of our interest-free balance transfer cards. Even with a transfer fee to pay, this may work out cheaper in the long run.
Your Barclaycard can be used to withdraw cash from over 24 million cash machines around the world. For sterling and non-sterling withdrawals a cash transaction fee is charged on the amount you withdraw from a cash machine or bank. Please refer to either your Terms and conditions or the reverse of your statement for further details on the fees charged. You can also find these in your Barclaycard online account under the 'ask us a question' section.
Since interest rates tend to be higher for cash withdrawals than regular purchases, it’s costly to use your credit card for cash on a regular basis.
If you withdraw cash on your Barclaycard while abroad you will be charged a cash transaction fee and receive up to 56 days interest free, if you pay your balance in full and by the due date shown on your statement each month.
If your payment’s late or you spend more than your credit limit, there may be an extra charge applied.
One way to avoid late payments is with Direct Debit when the minimum payment, or more of your balance, is paid automatically every month.
Just bear in mind that it takes much longer to clear your balance and costs more in interest charges if you make minimum payments.
If you’re in financial difficulty
When you’re facing missed payments, it may be tempting to just wait and see if your finances improve or consider a debt management company. However, both these options may worsen your situation and could damage your credit rating.
In the event that your life takes an unexpected turn that affects your finances, please call us on 0800 161 5246 so that we can help.