Money transfer

Money Transfer

Welcome to money transfers

Access your credit as cash – log into see your available offers

Subject to application, financial circumstances and borrowing history.T&Cs apply.

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So what exactly is a money transfer?

A money transfer lets you move credit from your Barclaycard directly into your UK current account to use as you wish - a speedy solution when you need cash in the bank for things like home improvements.

Is a money transfer right for me?

A money transfer lets you access your credit as cash, as quickly as the next working day – handy if you need to pay the plumber in a hurry or cover an unexpected bill.

Just remember that any money that your transfer into your current account will no longer benefit from purchase protection.

There's a fee for each transfer, but it's a quick and convenient way to access your credit as cash for when only cash will do, plus 0% interest during your promotional period. We'll let you know what your fee will be when you apply to make a transfer.

The table below gives you some examples of how much the fee will be across a number of different scenarios.

Amount you're transferring

At 1.9% your fee would be:

At 2.9% your fee would be:










The minimum you can transfer is £100. The maximum depends on your credit limit and your existing balances.

How is it done?

Quick and easy, that's how. Just follow these simple steps:

  1. 1. Log into your Barclaycard online servicing account or use the Barclaycard app to see if you have an offer available.

  2. 2. Get the details of the UK current account you're transferring into, then transfer up to the maximum amount shown.

  3. 3. Make sure you've read and understood the terms and conditions, and tick the box to continue.

That's it. The money will usually be transferred by the end of the next working day, unless further checks are required. Your cash will then be available – straight from your bank account. Read our money transfer terms and conditions for more information on how long your transfer will take.

Ready to make a money transfer?

Before you can make a transfer, you'll need to log into your Barclaycard online servicing account to make sure you have an offer available.

Tap the Barclaycard app

Download. Tap. Done. Just log in and select 'Your cards' then 'Transfers and offers' to see if you have an offer available, and then apply through the app in a few simple steps.


Terms, conditions and restrictions apply. You must have a Barclaycard account and be aged 18 or over to use the Barclaycard app

Barclaycard online servicing

Log in to or register your Barclaycard account and select ‘View your offers’. See if you have an offer and then apply online. 

If you prefer to do things over the phone, give us a call on 0333 200 9090 (call charges apply).

Make sure you’ve read our money transfer terms and conditions before you apply.

Help take the unknown out of paying someone you don’t know

If you’re looking to use your money transfer to pay someone you don’t know (like a tradesperson, or someone selling a car) we suggest getting added peace of mind by using Shieldpay.

Shieldpay help verify the identity of the person or business you’re buying from. They keep your money safe in an escrow account (known as the Shieldpay vault) until you confirm you’re happy with the goods you’ve received or the service you requested. 

If you’re happy for the payment to be made, they’ll release the money to the seller for you. If anything doesn’t go to plan, your money is held securely in the vault and Shieldpay will help resolve any disputes before your money is released. T&Cs apply.


Want to setup an Instalment Plan instead?

If you want to spread the cost of a purchase into equal monthly chunks, head over to our Instalment Plan page.

Want to set up a balance transfer instead?

If you want to move a balance you have on another credit card or store card to your - and save money on interest - head over to our balance transfer page.