We’re not charging late payment, cash advance or non-sterling transaction fees, to help during the coronavirus situation
To make things a little easier during these difficult times, we’re not charging late payment or cash advance fees between 19 March and 17 June. You’ll still need to pay at least the minimum payment on time every month. That way, you’ll pay us less interest and your credit score won't be affected as long as you were up to date with your payments last month and you make at least the minimum payment to us within 14 days of the payment due date.
If your income is being impacted by coronavirus and you’re not able to make repayments at this time, we want to help. You may be eligible for a Barclaycard payment holiday which means that you won’t need to make your usual payments for up to three months. The quickest and easiest way to apply is to fill in our online form.
We’re also suspending non-sterling transaction fees on overseas purchases until 31 May 2020, to support our customers who are stranded abroad.
Visit our coronavirus help and support pages for more information on managing your money.
Fees you may pay
It’s important you understand about our fees, which you may have to pay on your Barclaycard account. These range from fees for using your card abroad, to default fees for paying your bill late.
Fees for taking out cash in Sterling
- You’re charged a fee for cash transactions. The typical fee for taking out Sterling cash from a cash machine or over the counter is:
£2.99 if your transaction is less than £100
- 2.99% if your transaction is more than £100
Please note 2.99% is our standard fee rate, but there are some variations depending on the credit card you have. These fees apply to most of our products, but there are some exceptions – please check your terms and conditions .
Fees for gambling
If you make a gambling transaction, this is always charged as a percentage, which is typically 2.99%.
Fees for using your card abroad
Planning a trip overseas? If you buy something with your card while your abroad, you’ll pay one single, non-sterling purchase fee of 2.99% every time you use it. If you withdraw foreign currency using your card, you will just be charged a cash transaction fee of 2.99% (minimum fee of £2.99). Plus, you’ll benefit from the ‘up to 56-day, interest-free’ period if your balance is repaid in full by your payment due date. This fee applies to most of our cards, but there are some exceptions, so check your terms and conditions.
Find out more about using your card abroad.
Fees for balance transfers and offers
From time to time, you may take out one of our promotional offers. For example, a balance transfer or money transfer. If a fee applies, we’ll always let you know how much it will cost you before you apply.
Fees for duplicate copies of your statement
We no longer charge a fee for a duplicate copy of your statement or a record of a transaction. Registered for Barclaycard online servicing or use the Barclaycard app ? You can download up to 12 months of statements and print them off as and when you need them.
Our default fees
Fees for late payments, or going over your credit limit
You’ll pay £12 each time:
- You make a late payment, miss a payment or pay less than your minimum amount
- You go over your credit limit
It’s important to keep your payments on track. If not, in some situations, you could be charged two default fees, for example:
- If you’re close to your credit limit and a late payment fee takes your account balance over this, you’ll be charged the late payment fee, plus an over credit limit fee:
Late payment fee: £12.00
Over credit limit fee: £12.00
Total fees you’ll pay: £24.00