The Easiest Ways to Pay Your Xcel Energy Bill

Paying your electricity bill can feel like a hassle but it doesn’t have to be. Xcel Energy offers several convenient payment options to fit your needs. In this comprehensive guide we’ll walk through the quickest and easiest ways to pay your Xcel Energy bill online, through the mobile app, by phone, and more. With multiple payment choices available 24/7, you can pay your bill in a few minutes anytime it’s convenient for you.

Pay Online

The fastest way to pay your Xcel Energy bill is online. With just a few clicks, you can securely pay your bill from your computer or laptop. Here’s how to pay your Xcel Energy bill online

1. Go to Xcel Energy’s website and click on “My Account” at the top right.

2. Log into your account by entering your username and password. If you don’t already have an account, you can easily set one up.

3. Once logged in, click on “Billing & Payments” from the menu.

4. Select “Pay My Bill.”

5. Choose whether you want to pay the total amount due or make a partial payment.

6. Enter your payment information including credit/debit card details or bank account information if paying by e-check.

7. Review the payment details and click “Continue” to process the payment.

That’s it! The whole process takes less than five minutes. You’ll receive a confirmation email with your payment details after the transaction is complete.

Paying online is secure and allows you to avoid long phone wait times. You can easily view your past bills and payment history as well anytime you log into your account. Setting up autopay through the website ensures you never miss a payment deadline too.

Use the Mobile App

For on-the-go bill payment, the Xcel Energy mobile app is extremely convenient. You can download the app for free on your iOS or Android device. Once downloaded, you can log into your account and complete the following steps:

1. Tap on “Billing & Payments” from the menu.

2. Choose “Pay Bill.”

3. Select whether you want to pay the total balance or a partial payment amount.

4. Enter your credit/debit card information or select a payment account you already have saved.

5. Review the details and tap “Continue” to submit the payment.

The mobile app makes it simple to pay your bill from anywhere at any time. You’ll receive instant payment confirmation after paying through the app. You can also view billing history, make account changes, and more.

Pay by Phone

If you prefer to speak to a representative to complete your payment, Xcel Energy’s automated phone system is available 24/7. To pay your bill by phone:

1. Call 800-895-4999.

2. Follow the prompts to select “Pay by Phone” and enter your account number.

3. Choose whether to pay the total balance or a partial payment amount.

4. Have your credit/debit card ready to enter the payment details.

5. Stay on the line to receive a confirmation number after the payment processes.

The automated system walks you through each step, making phone payments quick and hassle-free. Phone payments give you the flexibility to pay on your schedule, any day of the week.

Pay by Mail

Paying by mail is easy for those who prefer paper checks or money orders. Here’s how to pay your Xcel Energy bill by mail:

1. Write your account number clearly on your check or money order.

2. Make it payable to Xcel Energy.

3. Write your service address on the payment as well to ensure proper crediting to your account.

4. Mail your payment at least 5 business days before the due date to ensure on-time processing.

5. Send your payment to the address listed on your Xcel Energy bill to avoid processing delays.

Mailing your payment requires a bit more planning to make the due date, but it’s a simple option for paying by check without any fees. Allowing enough mailing time is key to avoiding late charges.

Pay in Person

You can pay your bill in person at an authorized Xcel Energy payment center in your area. Locations include:

• Western Union
• CheckFreePay
• Walmart
• And other retail outlets

To find payment locations near you:

1. Go to the Xcel Energy website.

2. Click on “Billing & Payments.”

3. Select “Payment Options.”

4. Choose “Find an authorized payment location.”

5. Enter your zip code.

6. Select a payment center and its address will be provided.

Take your current Xcel Energy bill with you when paying in person to allow easy account lookup. In-person payments allow you to pay by cash, check, credit/debit and avoid mailing delays.

Sign Up for AutoPay

For hassle-free bill payment, enroll in AutoPay through Xcel Energy. This authorizes automatic monthly payments from your bank account or credit card around your bill’s due date.

To enroll in AutoPay:

1. Log into your account online or through the mobile app.

2. Click on “Billing & Payments.”

3. Choose “AutoPay Enrollment.”

4. Select your preferred payment method and enter the details.

5. Pick the date each month you want payments withdrawn.

6. Review and submit the enrollment request.

Once enrolled, you can sit back and relax knowing your bill is paid on time each month. AutoPay means no more late fees, freeing up time spent on manual payments.

Consider Budget Billing

To make monthly payments more predictable, Xcel Energy offers Budget Billing. This averages out your costs over the year into even monthly installments.

To get started with Budget Billing:

1. Log into your Xcel Energy account.

2. Under “Billing & Payments,” select “Budget Billing.”

3. Review the enrollment details and click “Sign Me Up.”

4. Make the first budget installment payment by the due date.

Your budget payment amount gets recalculated twice a year based on your usage. This helps smooth out seasonal highs and lows in your bill.

Get Payment Extensions or Arrangements

If you’re ever unable to pay your full balance by the due date, Xcel Energy offers payment extensions and arrangements. These provide more time to pay your bill without service interruption.

To request an extension or arrangement:

1. Log into your account and note your current balance.

2. Call 800-895-4999 to speak with a representative.

3. Explain your situation and inability to pay the full amount currently.

4. Discuss available payment extension or arrangement options.

5. Make sure to fulfill the agreed upon payment terms.

Contact Xcel Energy as soon as possible if you anticipate difficulty paying your bill. They can walk you through programs and resources based on your situation to find the best bill payment solution.

Explore Energy Assistance Programs

If you qualify based on income guidelines, Xcel Energy offers energy assistance programs. These can help pay a portion of your monthly bill or provide emergency payment assistance.

Some of the assistance programs include:

• Low-income Home Energy Assistance Program (LEAP)
• Colorado Energy Assistance Foundation
• Energy Outreach Colorado

To learn more and see if you might qualify, contact an Xcel Energy representative at 800-895-4999. They can check available programs in your area and application requirements.

Monitor Account Usage and Alerts

Keeping an eye on your account usage and alerts helps you stay on top of your monthly bill. Within your online or mobile account, you can:

• View usage graphs and trends over time.
• Set up utility usage alerts when you approach a certain threshold.
• Check for billing alerts if your bill is higher than normal.
• Review factors driving your costs each month.

Monitoring this information allows you to identify usage spikes and proactively adjust habits as needed. It can also provide early warning if your bill may be higher than normal in any given month.

Staying on top of your usage helps avoid unexpected account charges. You have the power to control costs through active monitoring.

Understand Budget Billing True-Up

With Budget Billing, it’s important to understand how the program works so you aren’t surprised. Twice per year, your account goes through a true-up process where:

• Your actual energy usage is compared to monthly budget amounts paid.
• If you paid less than actual usage, the difference is added to your budget.
• If payments exceed usage, the credit is deducted from your budget.

The true-up process keeps your budget aligned with your consumption. Monitor notifications around true-up time to avoid unexpected budget adjustments.

Pay Immediately If Your Account is Past Due

If you receive a notice that your account is past due, it’s important to pay the overdue amount as soon as possible. Failure to pay a past due balance can lead to: