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Welcome to money transfers

Access your credit as cash, view more by clicking below

Subject to application and status. 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 for when only cash will do.

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. You can transfer up to 90% of your available Barclaycard credit – just remember that any money that your transfer into your current account will no longer benefit from purchase protection.

To get the most out of your money transfer be sure to make at least your minimum monthly card repayments on time, before your promotional period ends. If not, you could lose any promotional rates you may have, and revert to the standard rate.

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. The fee's added to your balance, and is usually between 1.9% and 2.9% of the amount you transfer. We'll let you know what your fee will be when you apply to make a transfer.

Here's an idea of what that means in practice.

Amount you're transferring

At 1.9% your fee would be:

At 2.9% your fee would be:

£500

£9.50

£14.50

£1,000

£19.00

£29.00

£2,000

£38.00

£58.00

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, and select 'View your offers' 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 90% of your available credit limit.

  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 to see if you have an offer, then apply through the app in a few simple steps.

Download the Barclaycard app from the App Store Download the Barclaycard app from Google Play

 

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 0800 151 0900 (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.

FAQs

Want to set up 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 make a balance transfer instead?

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