Where Can I Pay My Xcel Energy Bill?

Paying your Xcel Energy bill on time each month is important to avoid late fees and potential service disruptions. If you prefer to pay your bill in person instead of online or by mail, Xcel Energy provides many options for in-person payments across their service territory. This article will explore the various retail locations, banks, and other places where Xcel Energy customers can pay their monthly utility bills.

Pay In-Person at Authorized Pay Stations

One of the most convenient ways to pay your Xcel Energy bill is to visit an authorized pay station. Xcel Energy has partnered with hundreds of retail stores and other locations to accept bill payments on their behalf.

Some of the major chains that accept Xcel Energy bill payments include:

  • ACE Cash Express – With over 2,300 stores across the country, including over 20 locations in Minneapolis, this is one of the largest chains accepting Xcel bill payments.

  • MoneyGram – Found at over 150,000 locations globally, MoneyGram allows you to pay your Xcel Energy bill at thousands of grocery stores, convenience stores, and pharmacy chains like CVS, Walmart, and Kroger

  • Western Union – Similar to MoneyGram, Western Union is available for bill pay at grocery stores, check cashing locations, and other retailers.

  • Amscot – Primarily located in Florida, Amscot has over 240 stores accepting Xcel Energy payments.

  • Hy-Vee – At over 280 supermarket locations across the Midwest, Hy-Vee is a popular option for Minnesota and Wisconsin Xcel customers.

In addition to large retail chains, many smaller independent businesses also accept payments. This includes gas stations, convenience stores, check cashing stores, neighborhood pharmacies, and other local establishments. Xcel Energy provides a pay station locator on their website where you can find authorized payment locations near you.

When paying at one of these retail pay stations, you will need your Xcel Energy account number and current balance due. The retailer will collect your payment, including any convenience fees they may charge, and transmit the funds to Xcel Energy to credit your account. Payments made at authorized pay stations before the cut-off time are typically credited to your account the same business day.

Bank Bill Pay Options

Many banks and credit unions allow you to pay your Xcel Energy bill through online bill pay or in person at a branch. When setting up bill pay through your bank, you will need to add Xcel Energy as a payee using your account number. Online bill pay is then handled electronically, with the money debited from your bank account and sent directly to Xcel within a few business days.

You can also visit your local bank or credit union branch and pay your Xcel Energy bill in person with a teller. Payments made at a branch are often credited to your Xcel account faster than those made through online bill pay. Some banks may charge a small fee for in-person bill pay services.

Examples of banks accepting Xcel Energy bill payments include Wells Fargo, U.S. Bank, Bank of America, and many smaller regional and local banks. Check with your financial institution to see if they accept utility bill payments.

Use Official Xcel Energy Walk-In Offices

For the fastest payment processing and to avoid any third-party fees, you can pay your bill directly at an Xcel Energy customer service office. Xcel has over two dozen walk-in office locations across the states they serve, including Colorado, Michigan, Minnesota, New Mexico, North Dakota, South Dakota, Texas, and Wisconsin.

When you go to an Xcel Energy office to pay your bill, there are no additional convenience fees. Some of the walk-in office locations have extended hours in the evenings and on weekends for added customer convenience. Payments made at an Xcel Energy office before the late payment cut-off time are normally credited to your account the same day.

Payment Kiosks

In some areas, Xcel Energy has self-service bill payment kiosks located inside select Walmart stores. These kiosks operate much like an ATM, allowing you to insert your payment or use a debit/credit card to pay your bill. You will need your Xcel account number to look up your balance at the kiosk.

Payment kiosks can be found inside Walmart stores in cities such as Denver, Colorado Springs, Pueblo, and Grand Junction. Xcel Energy has over two dozen payment kiosk locations across Colorado. Kiosks are usually available 24/7 for added convenience.

Drop Boxes

In some locations, Xcel Energy maintains drop boxes where customers can drop off bill payments after regular business hours. While less common than retail pay stations, drop boxes provide another way to get your payment processed without waiting for mail delivery.

You will need to affix proper postage when using a drop box. The envelope with your payment should be addressed to the Xcel Energy remittance center, but deposited into the designated drop box instead of mailed. Payments left in a drop box before the late fee cut-off time are normally credited the next business day.

AutoPay and Online Payments

For maximum efficiency and convenience, Xcel Energy customers are encouraged to enroll in AutoPay or pay online through My Account. With AutoPay, your monthly Xcel bill is automatically deducted from your bank account or charged to a credit card on the due date. This avoids late payments, mailing delays, and trips to an in-person pay station.

You can also login to My Account at any time and make one-time online payments through electronic check or debit/credit card. Online payments made before the cut-off time are applied to your account right away. Xcel Energy does not charge convenience fees for online or AutoPay options.

Payment by Phone

Xcel Energy offers a toll-free automated phone payment system that is available 24 hours a day, 7 days a week. To use the self-service phone system, call the number on your Xcel bill and follow the prompts to enter your account information and make a payment from your bank account or with a credit/debit card.

You can also speak to a customer service representative to assist you in making your payment over the phone. Phone payments made before the late fee cut-off are typically credited to your account the same day. As with online payments, Xcel Energy does not charge fees for paying your bill by phone.

Avoid Late Fees and Disconnection

Regardless of your preferred payment method, the most important thing is paying your Xcel Energy bill by the due date printed on your monthly statement. This due date varies based on your location and customer type. Make sure to note the late fee cut-off date and time for your service area.

Paying late can result in substantial late payment fees. If your account becomes severely past due, Xcel Energy may proceed with service disconnection. Having your utilities shut off due to non-payment can be a major headache. Avoid these outcomes by paying on time each month using one of the many convenient options.

Locate a Payment Location Near You

Xcel Energy offers ample choices for paying your energy bill in person. Next time your statement is due, use their pay station locator tool to find a nearby authorized payment location, visit your local bank branch, drop off your payment after hours, or stop by an Xcel customer service office.

Knowing where you can easily pay your bill in cash or check allows you to avoid mailing delays or online convenience fees. With numerous in-person payment options across Xcel Energy’s eight state service area, paying your monthly utility bill is quick, easy, and convenient.

Where Can I Pay My Xcel Bill

Other Payment Options (Third-party fees will apply):

Use our mobile app to pay online with your debit/credit card, Apple Pay, or Google Play. A $1.50 trasaction fee for residential customers and 2.2% transaction fee for non-residential customers applies.

Learn more about credit/debit card payments.

How to Pay on the Mobile App

Register for My Account and pay your bill on our convenient mobile app using your checking account.

Xcel Energy – Understanding Your Bill

How do I pay my Xcel Energy Bill?

Pay your bill in person at a pay station near you. With your Xcel Energy account number or your bill stub, you can choose to pay by cash or money order. If you have more than one Xcel Energy bill, you can pay them all with a single money order. Please note you’ll be charged a transaction fee for each bill you pay.

Does Xcel Energy pay a fee?

Xcel Energy does not benefit from this fee. Residential type customers are those on residential rates. Payments have transaction limits of $1,000/transaction. Non-residential type customers are those customers not on a residential rate. Payments have transaction limits of $250,000/transaction.

How do I pay my energy bill?

Create a My Account profile or sign into your account and pay your bill. Use KUBRA EZ-PAY to make secure bill payments using your credit or debit card. *Fees may apply Call 800-895-4999 to make a one-time payment. Register for My Account and pay your bill on our mobile app. Pay your energy bill in person at a pay station. *Transaction fees apply

What are Xcel Energy payment limits?

Payments have transaction limits of $1,000/transaction. Non-residential type customers are those customers not on a residential rate. Payments have transaction limits of $250,000/transaction. All credit/debit card types allow a maximum of 25 credit/debit card payments in a 28-rolling-day period per Xcel Energy account, per credit/debit card.

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