From a Barclays Personal Current Account you can send up to £50,000 a day in Online Banking, and up to £50,000 in any one payment. Premier accounts can send up to £100,000 a day and per payment. To move a larger sum in one go, such as the money for a house completion, Barclays points you to a same-day CHAPS payment, which is free in Online Banking for personal and Premier customers.
This page is part of our guide to Barclays. The limits on this page are the ones Barclays publishes on its help pages, checked on 28 September 2026.
Barclays payment limits by account
| Account | Daily limit | Single payment limit |
|---|---|---|
| Personal Current Account | £50,000 | £50,000 |
| Premier | £100,000 | £100,000 |
| Business | £250,000 | £100,000 |
These are Barclays’ limits for sending money to a person or a business in Online Banking. You can split the total across as many payments as you like on the same day. Cash is a separate allowance: the Barclays ATM limit page covers cash machine and branch counter withdrawals.
What uses up the daily limit
Barclays counts more than the payments that leave your account today. The daily total includes:
- immediate transfers (Faster Payments to another UK account)
- bill payments
- payments you set up today for a future date
- standing orders you set up today, even if the first one goes out next month
- international payments you set up today
Direct Debits aren’t included, because the company you’re paying collects them.
Worked example. On a personal account you set up a £2,000 payment for next Friday and a new £500 monthly standing order that starts next month. Neither has left the account, but both count against today’s limit, so you can still send £47,500 today. If you’d already set those up with a Direct Debit instead of a standing order, they wouldn’t count. The difference between the two is explained in our direct debit vs standing order guide.
How fast a Barclays payment arrives
Barclays sends payments through the Faster Payments Service where it can, whether you pay in the app, Online Banking, by Telephone Banking or in a branch. It says a Faster Payment arrives almost immediately but can take up to two hours, provided the receiving bank uses the service and the amount is within the limit. Barclays’ June 2025 tariff sets no cut-off time for Faster Payments, so they go out in the evening and at weekends too.
A standing order request has to reach Barclays by midnight on the working day before the payment is due.
Sending more: CHAPS for a house purchase
CHAPS is the same-day payment system for high-value transfers. Barclays’ CHAPS help page suggests Faster Payments if your payment is under your daily limit, and CHAPS for payments that aren’t. Its conditions are that you have enough cleared money in the account and that you pay before the cut-off on a working day.
| Online Banking | Branch | |
|---|---|---|
| Fee (personal and Premier) | £0 | £25 |
| Cut-off for same-day arrival | 5pm, Monday to Friday except bank holidays | Check with the branch (see below) |
| Cancel or change (before it leaves your account) | £20 | £20 |
To pay online, log in to Online Banking, open the “Move money” menu and choose “Same-day payment (CHAPS)”. You need to be registered for Online Banking and able to confirm your identity with PINsentry or the Barclays app. Barclays’ CHAPS page says Telephone Banking CHAPS is for Business Banking and Wealth customers. For a branch payment, Barclays’ CHAPS page gives a 5pm cut-off, but its June 2025 tariff lists 3.30pm for branch and Telephone Banking CHAPS, so go early in the day.
Barclays may need to call you before it sends a CHAPS payment. It asks you to confirm your phone number when you make the payment, won’t send the money until it has spoken to you, and will leave a voicemail and email you if it can’t get through. On a completion day, keep your phone with you.
Worked example: a £150,000 completion. Your solicitor needs £150,000 on completion day and you have a Barclays personal account.
- By Faster Payments, you’d hit the £50,000 daily limit after one payment, so the full amount would take 3 days. That’s no use when the money has to arrive on one day.
- By CHAPS in Online Banking before 5pm, it goes as one payment on the day, for £0.
- By CHAPS in a branch, it costs £25.
Check the solicitor’s account details with them by phone, on a number you already had, before you send anything. Our guide to how long a CHAPS payment takes explains how CHAPS works across UK banks.
Payments abroad
International payments set up today count towards the same daily limit. Barclays charges £0 for an international payment made in the app or Online Banking, and £25 in a branch or by Telephone Banking. Receiving and currency charges are on our Barclays fees page, and the account details someone abroad needs to pay you are in our Barclays sort code, IBAN and BIC guide.
Large payments and scams
The bigger the payment, the more a scammer gains from diverting it. Before you send a large sum, confirm the recipient’s account details by phone on a number you already had, not one given in an email or text, and treat any request to move your money to a “safe account” as a scam. Our guide to bank scams explains the common tricks and what to do if you’ve already paid. If you think you’ve been scammed, contact Barclays straight away: the numbers are on our Barclays customer service page.