How to pay your Barclays credit card
You can pay your Barclays credit card bill online through your account, by phone, by mail, or through automatic payments set up in advance. The fastest method is online through the Barclays website or mobile app, where the payment posts the same business day if submitted before the cutoff time (usually 5 p.m. Eastern). Phone payments and automatic transfers take one to two business days to show on your account.
Barclays accepts payments from a bank account, debit card, or another credit card, though paying with another credit card may trigger a cash advance fee. The minimum payment is due by your statement due date each month; paying only the minimum leaves the rest of your balance to accrue interest at your card's APR.
Key Takeaways
- Online payment through Barclays.com or the mobile app is the fastest method and posts the same business day if submitted before 5 p.m. Eastern.
- You can set up automatic payments to pay a fixed amount or your full balance on a date you choose each month, which prevents late fees.
- Phone payments to Barclays customer service take one to two business days to process and require your account number and payment source.
- Paying only the minimum amount due leaves your remaining balance subject to interest charges at your card's annual percentage rate.
- Mail payments take seven to ten business days to arrive and post, so send them well before your due date to avoid late fees.
Paying online through Barclays.com or the app
Log into your Barclays account on the website or open the Barclays mobile app, then select the credit card you want to pay. Choose "Make a Payment" or "Pay Now," enter the amount you want to send, and select your payment source (bank account or debit card). Review the details and confirm the payment. If you submit before 5 p.m. Eastern on a business day, the payment posts to your account that same day.
The online method shows you your current balance, recent transactions, and due date all in one place, so you can see exactly what you owe before you pay. You can also see your payment history and any pending payments that have not yet posted.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date and triggering a late fee. In your Barclays account, go to "Automatic Payments" or "Recurring Payments," select your credit card, and choose the amount and date. You can set it to pay your full statement balance, a fixed dollar amount, or just the minimum due.
Most people choose to pay the full balance on the due date shown on their statement, which means no interest accrues on purchases made during that billing cycle. If you set the payment for a date before the due date, make sure it is at least two business days before, to account for processing time. You can change or cancel an automatic payment at any time through your account settings.
Paying by phone
Call Barclays customer service at the number on the back of your credit card. Have your account number, the amount you want to pay, and your bank account or debit card information ready. The representative will process the payment over the phone and give you a confirmation number. The payment typically posts within one to two business days.
Phone payments are useful if you have questions about your balance or account before paying, or if you prefer not to pay online. Keep the confirmation number for your records in case you need to reference the payment later.
Paying by mail
Write a check or money order payable to Barclays and include your account number on the check. Mail it to the address shown on your statement or on the Barclays website. Mail payments take seven to ten business days to arrive and post, so send your payment at least two weeks before your due date to avoid a late fee.
Include only the check or money order in the envelope — do not send your credit card or other sensitive documents. If you want confirmation that your payment arrived, keep a copy of the check or the mailing receipt.
Understanding your payment due date and minimum payment
Your statement due date is the last day to pay without triggering a late fee. This date appears on your monthly statement and in your online account. If you pay only the minimum amount due by that date, you avoid a late fee, but the remaining balance continues to accrue interest at your card's APR.
The minimum payment is usually a small percentage of your total balance — often 1 to 3 percent. Paying only the minimum means you will carry a balance and pay interest charges month after month. Paying your full statement balance by the due date avoids interest entirely on purchases from that billing cycle.
What to do if you miss a payment
If your payment does not arrive by the due date, Barclays will report the late payment to credit bureaus and charge a late fee (the amount varies by your card terms). A single late payment can lower your credit score and may trigger a higher APR on your card. Contact Barclays as soon as you realize the payment is late to discuss your options.
If you are facing hardship, Barclays may offer a temporary payment plan or hardship program that pauses late fees or lowers your interest rate for a set period. Call customer service to ask what options may be available to you. The sooner you contact them, the more options you may have.
Frequently Asked Questions
How long does it take for a Barclays credit card payment to post?
Online payments post the same business day if submitted before 5 p.m. Eastern. Phone and automatic payments take one to two business days. Mail payments take seven to ten business days to arrive and then post.
Can I pay my Barclays credit card with another credit card?
Yes, but Barclays will treat it as a cash advance, which means you will pay a cash advance fee (usually 3 to 5 percent of the amount) and a higher interest rate starting immediately. Paying with a debit card or bank account avoids these fees.
What happens if I pay less than the minimum amount due?
Barclays will report the payment as late to credit bureaus and charge a late fee. Your credit score will drop, and your APR may increase. The remaining balance continues to accrue interest at your card's rate.
Can I change my automatic payment date if it falls on a weekend?
Yes. If you set an automatic payment for a weekend or holiday, Barclays will process it on the next business day. You can also manually choose a different date that works better for your schedule.
Is there a fee to pay my Barclays credit card online?
No. Barclays does not charge a fee for online payments made through their website or app. Phone and mail payments are also free.