Business debit cards

Quick and easy ways to make payments

Barclays is the first UK bank to launch contactless technology for small business customers. We believe this secure innovation will increase choice and convenience when making debit card payments.

What are contactless payments?

Contactless technology enables you to make a secure payment using your business debit card in less than a second. You can buy anything up to £30 by touching your card on a reader, anywhere you see the contactless symbol.

How do I use contactless cards?

• Just touch your business debit card on the reader you’ll find in shops and a train and London Underground stations. The reader or ticket barrier will confirm your payment has been made
• You can make contactless payments for purchases up to £30. You’ll need to authorise payments above £30 with your PIN. If you make several contactless purchases in a row, we may ask to enter your PIN to help protect your account
• To speed up the transaction, you won’t receive a debit card receipt. The retailer will give you a till receipt as proof of purchases but you can ask for a debit card receipt if you need one

What are the benefits? 

• It’s a quick and easy way to pay for goods that cost up to £30
• There’s no need to enter your PIN in a public place
• Low-value purchases appear on your bank statement, so it’s easier to track how much you’re spending

Where can I use contactless?

Anywhere you see the contactless symbol. You can use your contactless business debit card with a growing number of businesses, including supermarkets, department stores, restaurants, coffee shops, convenience stores, railway stations and the London Underground.

You can use your contactless payment card for pay as you go travel on bus, Tube, tram, DLR, London Overground, TFL Rail, Emirates Air Line and most National Rail Services in London.

Is it safe?

Yes, very safe. Your payments are processed using the same Visa payment technology we use to process chip and PIN payments.

We may occasionally ask you to enter your PIN as an extra precaution to protect your account. Contactless cards also use advanced security features that are independently approved by the payment card industry.

Withdraw cash free of charge all over the world

You can withdraw cash free of charge at any cash machine where you see the Visa sign. Other companies may charge a fee. The daily limit for cash machine withdrawals is £750.

When withdrawing cash you can choose to get an onscreen or printed receipt that shows your balance.

If you want to withdraw more than £750, just pop into one of our branches. For an amount over £2,000, please give us 24 hours’ notice so we can have the money ready for you to pick up. You’ll need to have enough money in your account.

If you need to find your nearest branch or cash machine, you can use our branch finder, which lets you search by address, town or postcode. Or if you’re out and about, you can also search with the Barclays Mobile Banking app.

Buying things when you’re abroad

Using your Barclays debit card to pay for goods when you’re abroad is safe, easy and convenient – you can use it wherever you see the Visa sign.

There are millions of places you can use your debit card abroad – hotels, restaurants, shops and more. You can also withdraw local currency from any Visa cash machine.  

Every payment is taken directly from your Business Current Account, giving a clear itemised record of spending and making expenses reconciliation simpler.

Just use your card abroad as you would at home – there’s no need to carry large amounts of cash, or buy currency before your travel. 

If your card is lost or stolen, just call our 24-hour emergency helpline on +44 1928 5844211¹ and select option 1 for immediate help. We can also arrange some emergency cash for you.

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Card charges

Transactions are converted into sterling using the Visa exchange rate on the day the transaction is processed. This may be different to the day on which the transaction took place. See the latest debit card exchange rates.

Barclays charge you a 2.75% non-sterling transaction fee when you use your debit card abroad for purchases or withdrawing cash.

If you’re getting cash over the counter at a bank abroad (including a Barclays branch), or using a cash machine other than one provided by Barclays or a Global Alliance member bank, you’ll also be charged a £1.50 non-sterling cash fee (the cash machine operator may also apply charges). You can avoid the non-sterling transaction fee by using cash machines owned by Barclays or a member of the Global Alliance.

When using your debit card abroad, some shops and cash machines may offer you the choice of paying for your transaction in sterling. If you choose to pay in sterling, the 2.75% non-sterling transaction fee will not apply. You should still try to find out what the merchant or cash machine operator’s charges are and what exchange rate they are using – it may be more expensive to pay in sterling in this way.