Debit cards

Debit cards

Control and convenience — using your debit card

Debit cards are perfect for those who want to stay in control of their money and make quick, easy and safe transactions, without having to carry around lots of cash.

Have you heard about Barclays Personalised Debit Cards? If you have a debit card with us, you can personalise it free of charge 3

What you get

Every transaction you carry out using your Barclays debit card will be itemised on your statement. You can also keep track of your spending whenever you like by logging in to Online Banking.

What you get from a Barclays debit card:

Using your debit card abroad:

  • Use your debit card in millions of shops and cash machines worldwide – anywhere you see the Visa sign (charges apply when you use your debit card abroad) 1
  • Save £1.50 per transaction by using a Barclays ATM or an ATM at a Global Alliance member bank (you'll still be charged a 2.99% Non-Sterling Transaction Fee) 1
  • Overseas ATMs will display instructions in English when you insert your card
  • Our fraud detection systems are constantly verifying transactions to ensure your security when you use your debit card abroad. This means you can have peace of mind that your card is protected from unauthorised use.

 

Using your Barclays Visa debit card when shopping online

Your Barclays Visa debit card is the ideal partner when shopping online. You can use your Visa debit card to pay for purchases online wherever you see the Visa logo.

All purchases are itemised on your statement for you to track your spend. And you also benefit from the added security protection of Barclays Secure – provided in association with Visa – when shopping online using your Barclays debit card.

  • Security – Barclays Secure, provided in association with Verified by Visa, protects your card against unauthorised use when you shop online with participating merchants. When you shop at these online stores, Barclays Secure will assess whether additional security information is required to verify your purchase. In most cases, no further verification will be required. However, in certain circumstances, we will ask you to enter some additional security information. Register for Barclays Secure
  • Convenient – Purchase at the click of a button. Shop from your phone or on your computer whenever you want and from wherever you want. Shopping online allows you to visit and compare several different retailers, ensuring you buy exactly what you want and that you never miss out on the best deal
  • Control – Keep full control of your spend. Every transaction is itemised on your statement. And did you know you can keep track of your limit with Text Alerts?

Most popular debit card FAQs

You’ll find the most common questions about debit cards below.

My cards have been lost or stolen. What do I do?

If you think your cards have been lost or stolen, contact us immediately on 08700 104 503 (outside the UK dial +44 1928 584421) 2. This is a 24-hour service. We can arrange for your card to be cancelled immediately.

We’ll also get replacement debit cards sent out and, if you order before 10pm, they should arrive in 2 working days.

The new card we send you will have a different number. So if you’ve registered your old card’s details anywhere – eg with online shopping sites or for regular payments such as your gym memberships or insurance premiums – please contact the companies and give them your new card details.

Read more about reporting a lost or stolen card.

How do I replace my broken or damaged card?

If your card has been damaged or the signature is faded or blurred, you should get a replacement as soon as you notice it as it may be refused in shops or be captured by cash machines.

To get a new Barclays debit card contact any branch or call our Customer Service Team on 0345 734 5345 (+44 2476 84 2100) 2

The new card we send you will have a different number. So if you’ve registered your old card’s details anywhere – eg with online shopping sites or for regular payments such as your gym memberships or insurance premiums – please contact the companies and give them your new card details.

Read more about replacing a broken or damaged card

My card has been blocked, who do I call?

If you're having difficulties using your debit card outside the UK, or your card has been stopped, please call us on 0345 734 5345 2.

Read more about reporting a blocked card

How do I get a new PIN?

Just go to a Barclays cash machine and enter your existing PIN. Then select 'Other services' or 'PIN services' from the main screen, and 'Select a new PIN'. When you set up a new PIN, don’t use numbers that someone could guess easily, like 1111 or 1234.

To change your Barclaycard PIN, call 0844 811 9111 2 or 0800 587 2104 (Textphone only) anytime – 24 hours a day, 7 days a week.

Forgotten your PIN number? Find out how to get an instant reminder.

Do I need to let Barclays know that I will be using my card abroad?

Not anymore. Our fraud detection systems are constantly verifying transactions to ensure your security when you use your debit card abroad. This means you can have peace of mind that your card is protected from unauthorised use and you don't need to let us know before you travel.
 
If we think a payment could be high risk, it may be declined so that we can get in touch to check it’s genuine.

To help us provide you with the best service, please keep your contact details (including mobile number) up to date, so we can get in touch with you if we need to.

If you have any difficulties using your card abroad, you should contact us on the telephone number provided on the back of your debit card, on your statement or online.

See details of the charges that apply when you use your debit card abroad.

Read more on using your debit card abroad

How do I stop or dispute regular payments from my debit card?

If you have set up a regular payment to a retailer from your debit card (for example, a gym membership payment or magazine subscription) and you wish to cancel the payment or dispute a transaction, please call us on 0345 945 4545 (Outside the UK +44 1928 58 4421).

If your debit card payment is to a loan broker company, please call us for help.

Please note that regular payments from a debit card (known as continuous payment authorities – these will keep going on if you don’t cancel them) are different from a standing order or Direct Debit, which come directly from your account rather than your card.

Standing orders can be cancelled using Online Banking, Telephone Banking or in branch. Direct Debits can be cancelled in the same manner, but you will also need to contact the company to whom you are making the payments.

If you’re not sure whether the payment you are making is a standing order, Direct Debit or debit card payment, please check the payment reference on your monthly statement. Please contact us if you’re unsure.

Will money be taken from my account for a pre-authorised booking?

Yes, although we won’t debit that money, we will put it aside immediately – while we wait for final payment authorisation from you.

This means your available balance will go down. So if we get a pre-authorisation request for £100, for instance, we’ll set that amount aside straightaway – ready for the final payment.

And even if you don’t go on to make the final payment (say, if your hotel doesn’t charge you for some reason), the money we set aside won’t go back into your available balance until the pre-authorisation request expires – which can take up to 5 days for UK payments and up to 10 days for non-UK payments.

If you’re considering making a booking that you think we might pre-authorise, and you’d prefer that money to stay in your available balance, it might be an idea to make the payment with another card.

How quickly do debit card purchases appear on my account?

We update your account to include new debit card purchases twice a day, 7 days a week – including Bank Holidays. However, we can’t update your account until retailers submit a record of your payment to us. Any payments made at the weekend will be displayed with the date of the following Monday in your account history.

I have a problem with a Barclays Debit Card purchase – can you help?

There could be a number of explanations for a transaction you don’t immediately recognise:

  • The company you made a payment to may have a different trading name. A quick internet search can help or see our list below of common retailer names and their related trading names
  • Is the amount on the receipt different to the amount on the statement? This could happen with overseas transactions as a result of changes in the exchange rate
  • Do you have a joint account? Could the other account holder have made the transaction?
  • Have you signed an agreement or contract with a retailer or broker, who’s then charged you for a service? Check the terms and conditions of any agreement
  • Have you signed up to a free trial for something that has become a paid service? Check any agreements you signed up to with a trial
  • Could it be a payment you’ve set up incorrectly in Online Banking? Check the bank you sent the payment to using your transaction history (you can identify it using the sort code) and ask them to look into whether your payment can be returned to you
  • The retailer may have made a mistake in charging you – contact them directly to find out

If none of these options help, please call us on 0345 945 4545 (+44 1928 584421 if you're outside the UK).

Be aware that some disputes can take time to resolve. The process has various steps so please respond to us within the timeframes given in our letters to you to ensure we can work on your claim, otherwise your claim could be unsuccessful.

I still don't recognise a transaction on my statement.
If you still can't identify the transaction, we can raise an official dispute up to 120 days after the date on your statement.

I haven't received the goods or services, or they are defective or not as described.
If you don't receive the goods or services you purchased, or you receive them but they
are defective or aren't as described, your first step should be to contact the retailer or company you paid and try to resolve the problem with them. If you can't contact them or they fail to resolve the problem, we can set up an official dispute up to 120 days after the date on your statement.

Alternatively, if you have documentary evidence of an agreed delivery date that is later than the statement date (eg you agreed that the goods would be delivered within 14 days and you have proof of delivery), we can set up a dispute up to 120 days after the delivery date. However, this cannot exceed 540 days from the transaction's statement date.

If you've bought tickets or services for a future date, we cannot set up the dispute until that date has passed.

Any help that we can offer is governed by the Visa Europe cardholder chargeback terms and conditions, which don't affect your legal or statutory rights.


Please call us on 0345 945 4545 for more information.

The name that appears on your statement​ Their trading name, company or service
Allpay Various council tax, House association rent
Amazon Prime Amazon (subscription service for faster delivery of products ordered on Amazon)
Arcadia Burton, Dorothy Perkins, Evans, Miss Selfridge, Topman/Topshop, Wallis, BHS, Outfit
Ariste Holding Ltd Cash Genie
B365 INTERNET Bet 365
Capita TV Licence
C F O Capital Finance One Limited
CHB Child Benefit
Chequeless The Money Shop
Child Tax Credit Working Tax Credit
C I LTD Coral
CreditExpert Experian
Domestic & General Boiler Cover
EE Everything Everywhere, Orange, T Mobile
Home Retail Group Argos, Homebase
Home Bargains TJ Morris
Hutchinson 3G, H3G
Kingfisher B&Q, Screwfix
LBK Ladbrokes
M E M Consumer Finance Ltd Month End Money
MWSF EQI Independent trading as Money Warehouse / Smile Finance
Norton Symantec
NWBS Nationwide Building Society
NW Card Services NatWest (Credit Card)
Premium Credit Various car insurance
Santander Abbey Mortgage
Shopperdisc /Shopper Discount Webloyalty International trading as Shopper Discounts & Rewards ​
SSE Southern Electric
Telefonica O2
VCI / Bet Victor Victor Chandler
WHO INTERNET William Hill
Working Tax Credit Child Tax Credit
Important information
 
1. Barclays will charge you a 2.99% Non-Sterling Transaction Fee for using your debit card abroad when making purchases, withdrawing cash or when you are being refunded. This fee will also apply whenever you do not pay in sterling, for example, when you shop online at a non-UK website.

On top of this, if you’re getting cash over the counter at a bank abroad (including Barclays), or using an ATM other than a Barclays ATM or an ATM at a Global Alliance member bank , you’ll also be charged a £1.50 Non-Sterling Cash Fee and the ATM provider may apply other charges.

Visa converts transactions into sterling using the Visa Exchange Rate on the day it processes the transaction. This date may be different to the day on which the transaction took place. Historic exchange rate information is available on www.visaeurope.com .

For more information, please go to www.barclays.co.uk/debitcardsabroad
 
2. To maintain a quality service, we may monitor or record phone calls. Call charges
 
3. Debit cards are subject to application and status. Barclays Personalised Cards are subject to terms and conditions. Image guidelines apply.