Issue paying Barclaycard DD with Monzo

Hi All -

I currently pay off my Barclaycard credit card with a monthly direct debit (DD) through my Nationwide, however I am trying to switch this to be paid off by my Monzo instead. The issue is within the Barclaycard app after inputting my Monzo details I get a ‘BDDE3 Error’.

I haven’t had much luck resolving. I’ll contact Barclaycard but thought I’d put it out there in case there have been similar experiences.


It looks like I’ve ‘resolved’ this by logging in via the web rather than Barclaycard app (although frankly it’s not fully clear it’s been successful).

It would reduce so much life faff if Monzo offered a credit card. These sorts of things, dare I say, might actually be straightforward / intuitive. :dizzy_face:

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Got to love a mysterious Barclays error code


I want to know what BDDE1 and BDDE2 are for now.

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I had this exact problem (and solution) yesterday. Glad to know I’m not alone

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I’ve tried to change my Direct Debit from Lloyds to Monzo for my Barclaycard, however, when I enter all my details I get an error code on the Barclaycard app BDDE3 and it says to check the details again. It won’t let me set this up.

Any ideas on how to make this work?

You need to use the website, not the app apparently:

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Thanks. Awesome that I cannot sign in via the web, despite using the same details.

I’ll try persist. Thanks.

Good luck!

yep same issue here in the BarclayCard App - however, I can’t even login to my BarclayCard account online, wont even send me the verification code to reset my login. This is an issue with BarclayCard, not Monzo - although I guess BarclayCard App is refusing it for some reason??

I have been trying to set up DD with Barclaycard via their app but was getting the same error message so I have called them this evening and they were unable to set one up saying it is because Monzo is an online bank and they won’t take DD’s from online banks. I have someone calling me back in the next few days to discuss it. How have people managed to get their DD’s with Barclaycard set up?

I did it through CASS - my barclaycard was paid off by DD from the barclays current account I CASSed over

I did mine via the app over a year ago, all went through fine until Barclaycard decided to cancel the DD a few months in for the same reason you mentioned “Monzo is an online bank”.

I then set it up via their website and it went through fine and has been fine ever since.

The Barclaycard app doesn’t seem to like Monzo for whatever reason, I’ve tried to make payments via the app and they just fail, always worked with my old bank. As soon as I make the same payment on the website the payment goes through.

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Before I setup a DD I was able to make payments through the Barclaycard App via Monzo. Seems very hit and miss for people by the sounds of it

Yesterday I switched my Barclaycard DD from a legacy bank to my Monzo.

The amendment, via the Barclaycard website, went smoothly. However, have since received an email to state that the amended DD will not be set up until 11 September 2020 so my next statement, produced in the next few days, will require a manual payment!!

Their literature states that a DD set up can take “up to 10 days” to complete.

Why 29 days then, I wonder :thinking:

Monzo related, or just poor Barclaycard procedures?

Dunno the answer, just thought I would share it in case anyone else has had similar experience, or how quickly their DD with Monzo for Barclaycard was set up.

Perhaps this is why? You didn’t change the mandate with early enough warning to apply for this months bill, it sounds like.

I have so many issues trying to pay my Barclaycard bill though. It’s almost like they’ll go out of their way to inhibit my ability to pay it. Direct Debit errors, long set up times. Sometimes their online system would just flat out refuse to take a card payment, because the same card I used to pay it for years, was according to them, different to the last 3 cards I had used, and had to either wait until my next bill or use one of my other 3 previously used cards. :man_facepalming:

I just resorted to paying via bank transfer at this point. It’s the only method that seems to work without a hitch. Just can’t automate the amount to cover my bill in full, so it’s a manual task every month.

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I’m hoping all will be fine once I get through this months payment.

One email states DD will be taken from existing DD, suggesting the legacy bank.

The other, timed exactly same as the first, suggests the alternative payment required!

I’ll pay my £30 and see what happens. If two lots get taken it’s no real drama.

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I had the same from BarclayCard when I moved the DD but it was all set up (and cancelled with old bank) in plenty of time. I didn’t get to see whether they actually took any money, though, because a credit came in that covered it in full.

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Well, the DD appeared in my Monzo today, so all set up and ready.

Assigned to a pot and ready for whenever Barclaycard actually request it :grin: