Barclays Limits 2025: Full Guide

Barclays is a popular bank in the UK, offering various different personal and business accounts, including premium products for higher wealth customers. The Barclays transfer limits which apply to your account may depend on the type of account product you select, and whether you're transacting on or offline.

This guide has you covered with all you need to know about the Barclays transfer limit and how to change it. We'll also introduce a couple of alternatives like Wise and Western Union which offer convenient international payments with relatively high limits.

Quick summary: Barclays transfer limits

• Send Barclays international payment to 90+ countries online and in branches

• Send up to 50,000 GBP per day online from personal current accounts, and up to 100,000 GBP per day from Premier and business accounts

• Individual online payments are capped at 50,000 GBP for personal customers

• Transfers cost 0 GBP - 25 GBP depending on payment details, and exchange rates are likely to include a markup

• You may find you can send a cheap digital overseas transfer with higher limits if you choose a non-bank provider like Wise or Western Union

Does Barclays have limits?

Yes. Barclays has limits to online payments, set at 50,000 GBP per transfer for most customers. If you need to send more you may still be able to do so in a Barclays branch, but the fees for this service are higher compared to sending online.

Looking to send large amount transfers?

If you are looking to send money internationally with a provider that has higher limits, Wise can be an option. You can safely send even high value payments with Wise, and may even get a discount on fees if you’re sending more than around 25,000 USD in a month.

Wise has high transfer limits, usually around the equivalent of 1 million GBP (1.3 million USD or so). Wise limits vary based on the currency you’re sending to and from, and also the payment method you choose.

Is Barclays safe for large amounts?

Yes. Barclays is a large, safe and trusted bank. Sending a Barclays international payment is secure - even if you're making a high value transfer. You'll need to use verification tools when sending a payment online, such as confirming your request in the Barclays app, using a OTP which is sent by text message, or using the Barclays PINsentry feature.

You're also likely to be asked for additional documents for very high value payments, such as your ID and proof of the source of funds. These measures are to comply with law and keep your account safe.

How much money can I send through Barclays?

Limits apply to your Barclays account when sending money online and using the mobile banking app. The limits can vary depending on the type of account you have and also the payment. Usually payments between accounts in your own name have higher limits than payments to a third party, for example.

Barclays transfer limits

The standard Barclays transfer limits are as follows:

• Send up to 50,000 GBP per day online from personal current accounts

• Send up to 100,000 GBP per day online from Premier and business accounts

• Individual online payments are capped at 50,000 GBP for personal customers

There are a couple of exceptions to these limits. Firstly you may be able to send more in a branch by presenting your ID and other documents. The fees for in branch services are higher compared to sending money online.

Secondly, some of the limits can vary based on the specific type of payment you need to make. For example, Barclays premier customers can send up to 250,000 per transaction to another account in their own name, with no daily cumulative limit. To be sure of the specific account limits which apply to you, check your account terms and conditions document or ask in a branch.

Alternatives to Barclays with higher limits

Depending on your preferences and needs, you may choose to use an alternative to Barclays for your international payment. OFX can be helpful if you like to set up your transfers by phone. If you want to send cash, you may like Western Union. Or, for low cost payments which can arrive very quickly in the destination account you may want to check out Wise. Here's an overview.

*Details correct at time of research - 25th February 2025

*Other limits may apply, depending on the payment method and destination country

Wise: Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

Is it possible to increase Barclays transfer limits?

Barclays does not provide information about how to increase your online transfer limits, but you can always visit a branch to make a higher value payment if you would like to.

How to increase Barclays transfer limits

There's no need to increase your Barclays transfer limit - you can simply head out to a branch to make your payment where there is not likely to be a fixed upper limit on transfer amounts. The downside here is that going to a branch may not be convenient - and the fees are higher compared to sending online, too - up to 25 GBP per payment. If you'd prefer a digital experience you may be able to send your payment with a non-bank alternative like Wise instead.

How to send high amount transfers with Barclays

If you need to send a payment which exceeds your online payment limit based on your account type, you will need to visit a Barclays branch. Here a member of staff can help you set up your payment securely. You may need to take along ID or proof of the source of the funds if you're sending a high amount, so do check with the bank before you go to the branch to avoid a wasted trip.

For a smaller payment you can set up your transfer online. Here's how to send a transfer online and in app with Barclays:

1. Log into Barclays online or mobile banking

2. Select the international payment option

3. Select the country and currency, and ether the send amount

4. Follow the online prompts to enter all the required information

5. Confirm your payment using the app, an SMS or PINSentry, and you're done

Barclays large transfer fees

The fee you pay for a Barclays international transfer will depend on how you set it up, and the destination country or currency.

Generally there is no fee to send a payment using the SEPA network. This covers transfers made in EUR to SEPA countries. There's also not usually a fee to send an online payment other than if you're sending USD. However if you're sending a payment in another currency, or to a country outside of the SEPA area, and set up the transfer in a branch you'll pay a fee of up to 25 GBP depending on the type of transfer.

Here's a summary of the Barclays fees for some common currencies:

Barclays exchange rate for international transfers

You can view the Barclays exchange rate for international transfers in the Barclays app. The rate changes frequently and is set with reference to the wholesale market rate. A currency conversion fee is likely to be added. While this can depend on the currency and the nature of the currency conversion, as well as your account type, this may be up to about 2.75%.

Fees - which are also called markups - like this can quickly add up, and mean you're paying more for your international transfer than you may think. That's because the percentage amount ramps up very quickly when sending higher value payments, or when you transact frequently. Be sure to compare the exchange rate you're offered by Barclays against alternative options such as digital payment providers like Wise, before you decide which service will suit your needs best.

Barclays business payments limits

You can send up to 100,000 GBP per day online from business accounts. Higher limits may apply if you're sending to another account in your own name.

Barclays customer support for high amount transfers

Barclays offers various ways to get in touch, by logging into your account online or in the mobile app. If you login and navigate to Contact Us, you'll be shown the options, including voice and video calling and opening a secure chat. You can also visit a branch to get help face to face if you need to.

Conclusion: Does Barclays have transfer limits?

Yes. Barclays has a transfer limit of 50,000 GBP a day for personal customers making online and in-app payments, which are cheaper than going into a branch. If you need to send more you can do so in a branch as long as you take along ID and supporting documents - but there's a higher fee to pay in most cases.

If you're looking to compare your options for your next overseas payment it's worth looking at a few non-bank providers as well as Barclays. For example Western Union can help with payments for cash collection all over the world, while Wise offers high value payments to 160+ countries with the mid-market rate and low fees.