Help with payments
Our handy tool can help you work out what the problem is and how to fix it.
Have you already made a payment and have a question?
Is it a UK or international payment?
Do you want to make a new payment?
Do you want to find out more about payments?
Is it between your accounts or to someone else?
Is it above £2,000?
Are you a Personal or Business customer?
Don't recognise a payment?
If you don’t recognise a payment, it could be because
- A retailer used a different name to take money from your account
- Another account holder on your joint account made the payment
- A recurring payment (other than a Direct Debit or standing order) for an app or online service came out – it might have been taken after a free trial you signed up for expired
- An online payment was made using the wrong account details. You can look up the bank the payment went to online using its sort code from the transaction details and contact it directly for help
If you still don’t recognise the transaction and think it might be fraudulent, get in touch with our fraud team by tapping ‘Direct call’ on the home screen of the Barclays app or calling the phone number on the back of your Barclays card.
If you recognise the debit card transaction but have a problem with it, find out what to do.
You might also find these pages helpful
How long do payments from my account take to clear?
How to report a problem
Barclays app
Log in to your app and select the transaction you need help with
- Tap ‘Help with this transaction'
- Select the ‘I know what this debit card transaction is, but there’s a problem’ FAQ and tap ‘Report a problem’
Online Banking
- Log in to Online Banking
- Select the account the transaction was made in, and scroll to the bottom of the list of transactions – then select the button labelled ‘Help with a transaction’
- Scroll down to the bottom of the page, and select the ‘Report a problem’ button
International payments
To make or receive an international payment, you need an IBAN (International Bank Account Number) and a SWIFT code.
Your IBAN doesn’t replace your sort code and account number, but it helps international banks identify your account for payments. You can find your IBAN on your statement or you can use our tool to get your IBAN for any of your Barclays accounts.
A SWIFT (or SWIFTBIC) code helps international banks identify which bank to send money to. For example, if an international bank is sending a payment to your Barclays UK account, they’ll need to know our SWIFT code, which is BUKBGB22.
It’s quick and easy to send money all over the world in the Barclays app and Online Banking. You can also send euros, US dollars and many other currencies. Sending money abroad is fee-free when you make the payment online or in your app. You can also go to a branch, but you’ll need to pay a £25 fee if you do.
After Brexit, we’ll still process payments to the European Economic Area. Take a look at our ‘International Payments’ page for more information on how you can send money to Europe and see our A to Z country list for information about transfer fees and cut-off times. Just to let you know, receiving banks might charge more for this service to adjust to the UK being outside of the EEA.
Read more about online payment limits and online business payments.
How to make an international payment
The Barclays app
- Log in to your app and tap ‘Pay & Transfer’ on the bottom of the screen
- Select ‘International payment’ and follow the instructions
Online Banking
- Log in to Online Banking and select ‘Move money’
- Select ‘International payment’ from the menu and follow the on-screen instructions
- Choose the person or organisation you want to make payments to – you’ll need to use PINsentry to authorise the payment
If you need help, take a look at our ‘Contact Us’ section.
You can also get in touch using the chat feature in the Barclays app or Online Banking.
If you need help, take a look at our ‘Contact Us’ section and choose the topic that applies to you. You can also get in touch using the chat feature in the Barclays app or Online Banking.
Transfer money between your accounts
The fastest way to transfer money between your accounts is using the Barclays app or Online Banking. If you haven’t already, you can get the app or register for Online Banking.
Our handy video shows you how to transfer money between your accounts.
The Barclays app – how to video
In Online Banking, you can set up transfers between your own accounts and schedule third-party payments such as standing orders, but only up to a certain amount.
There’s no daily limit for transfers between your Barclays accounts, but transfers to other accounts are limited to £250,000 per day. For transfers between your Barclays accounts in the app, the daily limit is also £250,000.
Transfers to a business account, even if you’re the account holder, are classed as third-party payments.
You can also use the app and Online Banking to pay your Barclaycard bill. If you've made a payment to Barclaycard in Online Banking before, the details will be on your payee list.
If you haven't, you'll need PINsentry (either the card reader or Mobile PINsentry) as well as the bank details for Barclaycard – you can find these on your card.
You can find more information on transferring money below
Are there limits to the amount I can pay in Online Banking?
Are there limits to how much I can pay out using the Barclays app?
How long do payments take to be made in Online Banking?
Payments under £2,000
You can make a payment of up to £2,000 to someone new or someone you’ve paid before in the Barclays app and Online Banking. If you haven’t already, you can get the app or register for Online Banking.
Once you’ve registered for the app, you’ll be able to send money to someone you know, pay in a cheque and transfer cash between your accounts, so you don't need to come into a branch as often. For your security, we’ll apply a limit of £2,000 to the first in-app payment you make to someone you’ve not paid before.
You can make international payments for free in your app or Online Banking, but we charge £25 for international payments made in a branch.
You can also use the app and Online Banking to pay your Barclaycard bill. If you've made a payment to Barclaycard in Online Banking before, the details will be on your payee list. If you haven't, you'll need PINsentry – either the card reader or Mobile PINsentry – and the bank details for Barclaycard.
For more on payments, take a look at
Pay in a cheque without paying us a visit
How do I pay my Barclaycard bill?
How do I register for the Barclays app?
The Barclays app – how-to videos
Online Banking – how-to videos
Payments over £2,000
To help keep your money safe, we’ll apply a limit of £2,000 to the first in-app payment you make to someone you’ve not paid before.
How do I pay someone new more than £2,000?
You can make payments, transfer money between your own accounts, send money abroad and pay your bills without having to visit a branch using the Barclays app or Online Banking.
Sending money abroad is fee-free when you make the payment in your app or online. You can also go to a branch, but you’ll need to pay a £25 fee if you do.
If you need to send money to someone straight away – or you’re buying a house and your solicitor needs to send money to the seller – you can make a CHAPS transfer, which is a same-day UK electronic transfer that costs £25.
You can make and manage CHAPS payments in Online Banking – just follow these steps
- Select the link under 'Move money’ in the menu on your homepage
- Go to the 'Move money' menu
- Select 'Manage international and same day payments' under 'Manage and track’
You’ll need to send us your payment instructions by 5pm if the payment is being made in Online Banking or by 3.30pm on a working day if you’re paying in a branch or by Telephone Banking.
For more on payment limits, have a look at
Are there limits to the amount I can pay in Online Banking?
Are there limits to how much I can pay out using the Barclays app?
How do I manage or cancel a standing order?
The Barclays app – how-to videos
Online Banking – how-to videos
Business payments
If you’re a business customer, you can use the Barclays app or Online Banking to make payments and transfers, manage your accounts, send invoices and chat to our team.
If you haven’t already, you can get the app or register for Online Banking.
As a business customer, you can also make multiple payments in one go using our Bulk Payments service. This is designed for small and medium businesses that want to make between five and 50 payments at the same time, for things such as payroll. If you have a business account, find out more by following these steps.
- Log in to Online Banking
- Select ‘Account Services’ from the menu and then ‘Bulk Payments’
If you have both a business and personal account with us, make sure you select the ‘Business’ tab in Online Banking or the Barclays app. Payment limits in our app and Online Baking are different if you’re a business customer.
International business payments
After Brexit, we still process payments to the European Economic Area. Get more information on how to make international payments, through what channel and how much they’ll cost you based on your business account tariff.
We can also help your business receive online or card payments securely and efficiently, from customers around the world, through a wide range of Barclaycard Business solutions.
For more information on payments, have a look at
Are there limits to the amount I can pay in Online Banking?
Are there limits to how much I can pay out using the Barclays app?
International Business Payments
Accepting Card Payments with Barclaycard
The Barclays app – how-to videos
Online Banking – how-to videos
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Is it a UK or international payment?
