How to pay your credit card

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.

Regular payments

We recommend setting up a Direct Debit to collect payments automatically from your selected bank or building society account when they’re due, so you have one less thing to remember.

  • Pay with a Direct Debit

    There are four ways to pay by Direct Debit each month

    1. Pay the minimum payment
    2. Pay the full statement balance
    3. Pay a fixed amount 
    4. Pay a fixed percentage, between 2.5% and 99%

    To help you manage your account we might make changes to your payment amount. If your payment doesn’t cover the minimum payment, we may increase it. We may also increase it if you have any missed payments. We may reduce your payment to avoid putting your account into credit.

    How to set up a Direct Debit

    The fastest way to do this is through Internet Banking on a laptop or desktop computer. Here's how to set it up:

    1. Log on to Internet Banking.
    2. Select Pay credit card from the menu next to the card you want to pay.
    3. Select Regular Payments from the Ways to Pay options.
    4. Select set up regular payments.
    5. Enter your bank or building society sort code and account number. 
    6. Select the amount you wish to pay ever month then continue.
    7. Check the details are correct, enter your Internet Banking password and confirm.

    That's it, your Direct Debit will be set up and you will you be told when the first payment will be taken. 

    Log on to set up a Direct Debit

    Register for Internet Banking

    When your Direct Debit is in place, it will show on your statement and your online account. Until then, continue to make payments using one of the other methods. You can change the way you pay your Direct Debit at any time.

    Other ways to set up a Direct Debit

    Call us on 0345 606 2172  7am-11pm, 7 days a week. You’ll need your 16-digit credit card number if you call us. 

    Or, you can also set up a Direct Debit in branch. Find a branch.

One-off payments

If you’d prefer to manage things month-to-month, or make payments in addition to your Direct Debit, there are a number of options. Just make sure at least the minimum amount is covered each month, and the method you choose gets your payment to your account before the due date. Of course, you can make additional payments at any time to reduce your balance and any interest costs.

If you make additional payments to your account during the month we may still collect your Direct Debit in full.

  • Pay using our Mobile Banking app

     Simply log on, then select ‘Pay & transfer'.

    When will the payment reach my credit card?

    Current account payments should reach your Lloyds Bank credit card account within 2 hours. This will update your available credit. But please allow at least 1 working day for your list of recent transactions to update.

    Pay using Internet Banking

    From your current account summary, look for the ‘Pay credit card’ option.

    When will the payment reach my credit card?

    Current account payments should reach your Lloyds Bank credit card account within 2 hours. This will update your available credit. But please allow at least 1 working day for your list of recent transactions to update.

    Log on to pay your credit card

    Register for Internet Banking

  • There are three ways to pay your Lloyds Bank credit card from a different bank or building society.

    1. Using our app to connect with your other provider to set up a payment. This isn’t possible with all banks and building societies yet, but more will be added over time.
    2. Transfer the money.
    3. Entering your debit card details.

    Pay using the app from your account with another bank

    1. Open our app, then select ‘Pay & transfer’.
    2. Choose pay from another bank or building society account.
    3. Enter the amount you’d like to pay.
    4. From the list, select the bank you have an account with and want to pay from.
    5. We’ll briefly hand you over to their website or app to approve the payment.

    When will the payment reach my credit card?

    Your payment should reach your Lloyds Bank credit card account within 2 hours. This will update your available credit. But please allow at least 1 working day for your list of recent transactions to update.

    We only share payment information. No other personal details are shared between banks. For full details and terms, please read our payment initiation services agreement (PDF, 91KB).

    Transfer the money using your bank's online service

    You can also make a payment from your current account in the same way you pay a bill or person. Using either our app or Internet Banking. You’ll need these details:

    Account number – 0000 0000 

    Sort code – 77-29-00 

    Remember to include your most recent 16-digit credit card number as the payment reference, just so we know which account to apply your payment to. You’ll find this on your credit card itself, or on your most recent credit card statement. 

    When will the payment reach my credit card?

    Current account payments should reach your Lloyds Bank credit card account within 2 hours. This will update your available credit. But please allow at least 1 working day for your list of recent transactions to update.

    Pay online with a debit card

    If you’re using our app, simply log in, then select ‘Pay & transfer'.

    Or, using Internet Banking. From your current account summary, look for the ‘Pay credit card’ option.

    When will the payment reach my credit card?

    Debit card payments will reach your Lloyds Bank credit card account by the next working day.

    Log on to pay your credit card bill

    Log on to pay

    Register for Internet Banking

  • Pay over the phone

    Call us on 0345 606 2172. You can 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. 

    Pay in a branch

    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 Cashpoint®. Simply insert your card and PIN as usual, look for the option to deposit a cheque and follow the on-screen instructions. 

    Pay by posting a cheque

    Finally, you can 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.

Frequently asked payment questions

  • 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: 

    1. Cash transactions. 
    2. Card purchases.
    3. Balance and money transfers.
    4. Default fees, including interest and other charges added.

    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. 

Mobile Banking app

If you’re already registered for Internet Banking, you’re just a few steps away from having convenient account services at your fingertips wherever you go, using our Mobile Banking app.

About mobile banking

Key points about credit card payments

  • You need to make at least the minimum payment each month, by the due date detailed on your latest statement. It’s a good idea to pay as much as you can to keep any interest costs down. 
  • Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due. 
  • You can also make payments, instead or in addition to a Direct Debit, from a bank account, with a debit card, by cheque or with cash at a branch. 
  • If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 
  • You can request to change your payment due date to better suit your needs, e.g. if you usually receive your salary later than your due date falls.

Where next?

Managing your card

Related guides

Looking for a card?

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.

 

Important legal information

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.