If you’re not a Barclaycard customer, or if mybarclaycard just doesn’t float your boat, here’s our guide to the other payment apps out there right now.
Starling Bank: award-winning banking on your mobile
mybarclaycard is Barclaycard’s mobile banking app, available to download for free from the App Store or Google Play. If you’re an existing Barclaycard customer and find yourself wanting to make payments while away from your laptop, then the app is definitely worth a look. If you’re not already a Barclaycard holder though, you may find a better option among the app’s competitors.
The app works by linking up to your Barclaycard account. Once you’ve signed into your account, you’ll be able to use the app to:
There isn’t a great deal in the way of budgeting tools here, but mybarclaycard does allow users to review their outgoings. This is definitely a welcome and useful feature, but a dedicated budgeting tool wouldn’t go amiss. The Barclays app, for example, lets users see a categorised breakdown of their spending, while other apps let users set budget targets.
As with many other credit cards, you’ll incur fees for late or returned payments and going over your credit limit. These are known as “default fees”, and are currently set at £12. You’ll be charged each time a late payment is made, a payment is missed, you pay less than the minimum amount, you exceed your credit limit or your payment is returned.
You’ll also incur a fee for balance transfers, using your card abroad and you may be charged for a duplicate copy of your statement.
There’s a range of security measures taken by Barclaycard to ensure the app is secure, and that your account is safeguarded against fraud. For example, when making payments online you may be asked to confirm your identity. This is done via a text message sent to the number registered to your account as a payment method. Additionally, there’s the Barclaycard Secure service, which is also designed to protect Barclaycard customers against fraud.
As a trading name of Barclay’s Bank, Barclaycard is also covered by the UK’s financial regulators – it’s authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Barclay’s Bank is also fully covered by the Financial Services Compensation Scheme.
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