The fastest way to pay Xcel Energy is through their website at xcelenergy.com, where you can log into your account and make a one-time payment in minutes
Go to xcelenergy.com and click "Pay My Bill" at the top of the page. You'll be asked to enter your account number (found on your bill) or your zip code and last name. Once you're logged in, you can pay immediately using a bank account, debit card, or credit card. The payment posts the same day if you pay before 5 p.m. Central Time on a business day.
If you don't have an online account yet, you can still pay without logging in. Select "Pay as Guest" instead of signing in, enter your account number, and follow the same payment steps. This takes about five minutes and requires no registration.
Xcel Energy does not charge a fee for paying online with a bank account or debit card. If you use a credit card, a processing fee applies — the exact amount depends on your card type and is shown before you confirm the payment.
Key Takeaways
- You can pay your Xcel Energy bill online at xcelenergy.com without creating an account by selecting "Pay as Guest" and entering your account number.
- Bank account and debit card payments have no fee, but credit card payments include a processing fee that Xcel Energy discloses before you complete the transaction.
- Payments made before 5 p.m. Central Time on a business day post the same day; weekend and holiday payments post the next business day.
- You can also pay by phone, mail, or automatic bank draft if online payment doesn't work for your situation.
- Setting up autopay through your bank account ensures your bill is paid on time every month without logging in each time.
Paying by phone or automatic bank draft
If you prefer not to pay online, call Xcel Energy's payment line at 1-800-895-4999. A representative can take your payment over the phone using a bank account or debit card. Phone payments are available 24 hours a day, 7 days a week, and there is no fee for bank account payments.
The easiest way to avoid missing a payment is to set up automatic bank draft, also called autopay. This withdraws the amount due directly from your checking or savings account on a date you choose each month. You can set this up online through your Xcel Energy account, by phone, or by mail. Once autopay is active, you don't need to do anything — the payment happens automatically.
To stop autopay, log into your account online, call the payment line, or send a written request by mail. Changes take effect within one or two billing cycles, so plan ahead if you need to cancel.
Paying by mail or in person
You can mail a check or money order to the address printed on your bill. Include your account number on the check and mail it to the address listed under "Pay Your Bill" on the statement. Mail payments typically take 7 to 10 business days to post, so send payment early if your due date is soon.
Some Xcel Energy service areas allow in-person payments at local payment centers or authorized retailers. Check your bill or call 1-800-895-4999 to find a payment location near you. In-person payments usually post within one business day.
What to do if you can't pay your full bill
If you cannot pay the full amount by the due date, contact Xcel Energy before the bill becomes overdue. Call 1-800-895-4999 and ask about a payment arrangement or extension. Xcel Energy may allow you to split the payment into two or more installments over the next 30 to 60 days, depending on your account history and the amount owed.
If you're struggling with energy costs, ask about budget billing or low-income programs. Budget billing spreads your annual energy costs evenly across 12 months so your bill is the same each month, making it easier to plan. Low-income assistance programs vary by state and service area — the representative can tell you what's available where you live.
Setting up and managing your online account
Creating an Xcel Energy online account takes about five minutes and lets you view your bill, track your usage, and set up autopay. Go to xcelenergy.com and click "Create Account" or "Sign Up." You'll need your account number, zip code, and an email address. Xcel Energy will send a verification link to your email — click it to activate your account.
Once you're logged in, you can view your bill history, see your daily energy usage, and receive email reminders before your due date. You can also update your contact information, add a second email address, or authorize someone else to view your account.
If you forget your password, click "Forgot Password" on the login page and Xcel Energy will email you a reset link. If you have trouble accessing your account, call 1-800-895-4999 and a representative can help you regain access or create a new account.
Understanding your due date and late payment fees
Your due date is printed on your bill, usually 20 to 25 days after the bill is issued. If you pay after the due date, Xcel Energy may charge a late fee. The amount of the late fee varies by state and service area — check your bill or contact Xcel Energy to learn what applies to your account.
If your payment is more than 30 days late, Xcel Energy may disconnect your service. You'll receive a disconnection notice before this happens, giving you time to pay or contact them about a payment plan. If your service is disconnected, you'll need to pay the full amount owed plus a reconnection fee to restore power.
To avoid late fees and disconnection, pay by the due date or set up autopay. If you know you'll be late, call 1-800-895-4999 before the due date to discuss your options.
Frequently Asked Questions
Does Xcel Energy charge a fee to pay online?
No fee applies if you pay with a bank account or debit card. Credit card payments include a processing fee that varies by card type. Xcel Energy shows the exact fee before you confirm the payment, so you know the total cost.
How long does it take for my payment to show up?
Online and phone payments made before 5 p.m. Central Time on a business day post the same day. Payments made after 5 p.m. or on weekends and holidays post the next business day. Mail payments take 7 to 10 business days.
Can I pay someone else's Xcel Energy bill?
Yes. Go to xcelenergy.com, select "Pay as Guest," and enter the account number of the bill you want to pay. You don't need access to that account. Provide your own payment information and the payment will be applied to that account.
What happens if I set up autopay and then want to change the payment date?
Log into your Xcel Energy account online and edit your autopay settings, or call 1-800-895-4999. Changes usually take effect within one or two billing cycles. Make sure the new date works with your pay schedule so the money is in your account when the payment is withdrawn.
Can I pay my Xcel Energy bill through a third-party payment app?
Xcel Energy does not endorse third-party payment apps. Paying directly through xcelenergy.com or by phone ensures your payment is processed correctly and securely. If you use a third-party app, verify that it is legitimate before providing your account information.