Understanding your fees

Understanding fees

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

The typical fee for this type of transaction is 2.99%.

From 26 January 2021 any transaction attempted to be made with a gambling establishment or a gambling website will be blocked.

Fees for using your card abroad

If you buy something with your card while you’re abroad, you’ll pay a non-sterling purchase fee of 2.99% every time you use it. If you withdraw foreign currency using your card, you’ll be charged a cash transaction fee of 2.99% (minimum fee of £2.99). You’ll get up to 56 days interest-free (57 days on the Amazon Barclaycard) if you pay off your balance by your payment due date. These fees apply 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 copies of your statement

Our default fees

Fees for late payments

There's a £12 late payment fee for each time:

  • You make a late payment
  • You miss a payment
  • You pay less than your minimum amount

Please note, we won’t charge you a late payment fee more than four times in a year.

It’s important to keep your payments on track. If not, in some situations you could be charged two default fees.

Avoiding default fees

There are a number of things you can do to help avoid paying default fees.