Access your Online Banking and Credit Card Account on Barclays

Barclays Banking Online

There are no monthly maintenance or annual fees charged for Barclays accounts. Certain circumstances, like early withdrawal of CDs or insufficient funds, may incur penalties or fees. For more information about fees, please see account Terms and Conditions.

Your external account is a bank account you have with another U.S. financial institution. It’s linked to your Barclays account so that you can transfer money between the two. Any external account that is linked to your Barclays account must be in an account holder’s name. This includes payment processing companies such as: PayPal, Dwolla, Coinbase, Venmo, Square, and Payday loan deposits.

Deposits begin earning interest as soon as they post to your account. An electronic deposit typically posts 2 to 3 business days after the transaction or transfer is initiated. A check deposit is processed on the day we receive it.

For all deposits made by check or electronically, funds will be held for five (5) business days from the day on which we credit your account for that deposit. ACH credits and funds transferred from another of your accounts at Barclays will be available immediately.

The Deposit Checks feature allows you to make a check deposit into your Barclays Online Savings Account by uploading a picture of a check from your computer, laptop or mobile device. This feature was formerly known as Remote Deposit Services, and is still covered in your Account Agreement under that name.

How to use Deposit Check Feature

  • Tell us about your deposit, such as the amount on the check and the receiving account.
  • Enter the amount.
  • Sign the back of your check and write “For Mobile Deposit at Barclays Bank Only” below your signature. (Or if available, check the box that reads: “Check here if mobile deposit”.)
  • Upload a picture, from your phone, tablet or personal computer, of the front and back of the check.
  • Submit your deposit.
    We’ll send you an email confirmation once we receive the images and another email once the deposit is processed. Checks deposited after 3:00 pm ET will be processed the next business day. There’s a 5-day minimum hold time on the amount deposited.

You must be 16 or over and have an eligible product or account to use the Barclays app. Terms and conditions apply. The Barclays app only works with Android 5.0 and above, iOS 11 and above. Your service provider may charge for internet access from your phone.

Mobile PINsentry is a feature of the Barclays app that enables you to log in to Online Banking without having to carry around a card reader or use your debit card.

If you use PINsentry, you’ll always need a PINsentry card reader and your debit card to log in to Online Banking.

Mobile PINsentry gives you the same access to Online Banking as PINsentry. You can use it so long as you’re registered for Online Banking and are already using PINsentry. If you’re not, you can upgrade to PINsentry.

Barclaycard Rewards Card

  • Get 0.25% cashback on your everyday spend1 on new purchases. You can read the terms and conditions for this offer in the information section below
  • No fees on purchases abroad. You’ll be able to spend and withdraw cash from a cash machine abroad without any charges, and you’ll get Visa’s competitive exchange rate
  • Protection on purchases over £100. If there’s a problem, you could be covered for a refund (conditions apply)
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only.

The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.

Barclaycard Avios

  • If you’re new to Barclaycard, you’ll collect 5,000 Avios if you spend £1,000 in your first three months.
  • Collect 1 Avios for every £1 you spend on eligible purchases.
  • Spend £20,000 on the card within 12 months and you’ll receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking.
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free with your new Barclaycard. Continues as paid subscription after trial. UK only.

Barclaycard Avios Plus

  • If you’re new to Barclaycard, you’ll collect 25,000 Avios if you spend £3,000 in your first three months.
  • Collect 1.5 Avios for every £1 you spend on eligible purchases1, for a £20 monthly fee
  • Spend £10,000 on the card within 12 months and you’ll receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking.
  • Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free with your new Barclaycard. Continues as paid subscription after trial. UK only.

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