In this guide we cover the payment options available online, by phone, in branch or by post.
You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month. If you can't pay the whole statement balance, it's a good idea to pay as much as you can, as it may help to keep any interest costs down.
You can set one of three monthly payment amounts:
Just so you know, if the amount set by you is ever lower than the minimum payment, we’ll always collect the higher minimum amount. That way, you won’t be charged a late payment fee.
Of course, you need to make sure there’s enough money in your account when we come to claim your payment. Otherwise, it’s all taken care of.
To set up your Direct Debit online, you’ll need your bank or building society account number and sort code. To get started, log on or register for Internet Banking.
Alternatively, call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll also need your 16-digit credit card number.
You can make a payment from your Lloyds Bank current account in a few ways.
Using Internet banking:
Using the Mobile Banking app:
Or call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your bank account or 16-digit credit card number.
Finally, you can also make payments in branch. Find a branch.
How long will it take? Once submitted, your payment will reach your Lloyds Bank credit card account by the next working day.
You can make a debit card payment to your Lloyds Bank credit card in a few ways.
Using Internet banking:
Using the Mobile Banking app:
Or call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number and your debit card details.
You can make payments by cash or cheque in branch. Just remember to bring your credit card with you. Find a branch.
At a Lloyds Bank branch, you can also deposit a cheque using the ATM. Simply insert your card and PIN as usual, look for the option to deposit a cheque and follow the on-screen instructions.
The most convenient way to pay in a cheque though, is using the Mobile Banking app, which will accept 2 individual cheques of up to £1,000 each day. If you haven’t done that before, you may like to read our guide to using the Mobile Banking app to pay in cheques.
You can also send us a cheque by post, but please don’t send cash, just in case it gets lost.
Make your cheque out to Lloyds Bank and remember to write your name and credit card number on the back. Send your completed cheque to:
Lloyds Card Services
PO BOX 109
Sheffield
S98 1GE
If you’re posting a cheque, please allow at least 7 working days for delivery and for it reach your Lloyds Bank credit card account.
It’s important to know, we don’t accept cheques made out for a date in the future (post-dated). These are usually returned, which could result in a missed payment and additional fees.
If you’ve got a UK bank account or debit card, you should be able to make payments online or by phone, even if you’re outside the UK. There’s more information in the sections above.
Otherwise, most overseas banks should be able to arrange a BIC or SWIFT payment to us. You’ll need these details:
IBAN: GB38LOYD30675699067997
BIC/SWIFT: LOYDGB21705
How long will it take? Processing times can very, so check with the overseas bank when you set up your payment.
If you miss a payment, in addition to fees and charges, you could lose any promotional rates which apply to your account. If that happens, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score and your ability to borrow in future, so it’s important to keep track and manage your account well.
It’s important that you make at least the minimum payment shown on your statement each month, and that it reaches your account by the due date.
If you’re experiencing difficulties making your credit card payments, please let us know so we can help. You’ll find information and support at our money worries page, or you can call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.
You can change your payment due date to better suit your needs, for example, if you usually receive your salary later than your due date falls.
Using Internet banking – log on or register to get started. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’.
Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.
Just be aware, your change may apply to a future payment, rather than the next one, depending when you make your request.
You may be aware that different rates of interest apply to portions of your balance, varying based on transaction type, and whether the standard or a promotional rate applies. To check the rates that apply to your account, refer to your latest credit card statement.
To help you to keep your interest costs to a minimum, payments you make will be allocated to balances with the highest interest rates first, and to those which appear on your monthly statement, before those which will feature on future statements.
If you have a balance at a promotional rate, it’s useful to remember that payments will apply to any standard rate balances first, even if the promotional period is nearly over.
If you have more than one balance with the same interest rate, payments will be allocated in this order:
Transactions and related fees or charges will be repaid in date order, starting with the oldest first.
You can make additional payments at any time to reduce your balance and any interest costs, but it’s important to understand how interest is charged and when it applies, especially if you’re planning to pay off your balance in full.
Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. It’s a little complicated, so we’ve created a short guide to explain paying your credit card balance in full.
To use our Mobile Banking app you need to have a valid phone number registered to your account. Available to UK personal Internet Banking customers and Internet Banking customers with accounts held in Jersey, the Bailiwick of Guernsey or the Isle of Man. Check your preferred app store for minimum operating system requirements. Device registration required. The app doesn’t work on jailbroken or rooted devices. Terms and conditions apply.
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.