Image of person behind shop counter takiing payment

Barclays launches free cashback without purchase service across the UK

10 October 2022
  • Barclays is providing free cash access for consumers via thousands of local retailers and small businesses
  • Customers of all banks will be able to make free withdrawals of any amount from 1p up to £100, including non-round amounts
  • Businesses offering the service will receive a payment for every transaction processed

Barclays is rolling out a new cashback without purchase service, creating thousands of new locations for consumers to withdraw cash for free. This is the first time a UK bank has launched its own cashback without purchase service, made possible by Barclays’ payments franchise and UK retail bank.

The new service allows businesses with a Barclaycard Payments terminal to offer customers of any bank with a Visa or Mastercard debit card up to £100 per day, without needing to make a purchase. In return, participating businesses will be paid a transaction fee by the bank.

Unlike ATMs, consumers will also be able to receive coins, with no lower limit and non-round amounts such as £8.64 allowed.

Thousands of small businesses around the UK with a Barclaycard Payments terminal are already enabled to offer the service, and Barclays is working with them over the coming weeks and months to promote the service in their communities. Following this, information will be available for consumers to find their nearest cashback without purchase location.

As well as new and alternative places to withdraw cash, the service can also create an additional revenue stream for participating businesses, help local community cash recycling and boost business footfall.

Tim Allen, Head of Access to Cash at Barclays UK, said: “While an increasing number of our customers choose to pay digitally, we recognise that for some, cash remains vital. This service will benefit communities around the country, beyond our customer base, giving them the choice and flexibility to access their money conveniently. This is part of our broader commitment to preserving long-term access to cash for those who require it.”

Konrad Kelling, Head of Small Business Acquiring at Barclaycard Payments, said: “Barclays’ cashback without purchase service empowers our small business customers to provide cash and coins in areas where free cash access may be limited. SMEs using the service have also seen it create a new income steam and bring in new customers. We are working with merchants to help them offer the service and raise awareness of it in their local communities.”

Natalie Ceeney CBE, Chair of the Access to Cash Action Group, said: “This new service from Barclays is very welcome. ATMs work well for most people, but having additional places to withdraw cash, particularly if you want to get out less than £10, can help communities and small businesses as well as vulnerable consumers. Making cashback without purchase widely available needs to be a key part of the national strategy to keep cash accessible.”

Cashback without purchase is part of Barclays’ commitment to preserving long term access to cash for those who need it. Barclays is also one of the driving forces behind the Access to Cash Action Group, including the rolling out of Banking Hubs, shared spaces from which the major banks operate.

- Ends -

Notes to Editors

Cashback without purchase service can be offered by Barclaycard Business customers using a Flex terminal.

Cashback is available for customers of any bank using Visa Debit, Visa Electron, Mastercard Debit only.

Merchants will earn a small fee for every approved cashback without purchase transaction processed.

For more information: https://www.barclaycard.co.uk/business/cashback-without-purchase

*Local cash recycling: Often cash can be locally recycled, for example by becoming float in a retailers’ till or self-service machine, before being handed to a later consumer as part of their change or dispensed through an ATM or self-service checkout [UK Finance].

For further information, please contact:

Natasha Brown, External Communications, Barclays UK


About Barclays

Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by our service company which provides technology, operations and functional services across the Group.