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.

  • You can set one of three monthly payment amounts: 

    • Just the minimum. 
    • The full statement balance. 
    • An amount set by you. 

    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. 

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

    When your Direct Debit is in place, it’ll show on your statement and your online account. Until then, continue to make payments using one of the other options below. 

    In the same ways you can set a Direct Debit up, you can also manage your payments in future.

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’ve got a Direct Debit in place, any one-off payments you make will be taken on top of your monthly Direct Debit payment. 

  • You can make a payment from your Lloyds Bank current account in a few ways.

    Using Internet banking:

    • To get started, log on or register. 
    • From your current account summary, look for the ‘Pay credit card’ option.

    Using the Mobile Banking app  simply log in, then select ‘Pay & transfer'.

    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.

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

  • You can make payments to your Lloyds Bank credit card from an account you hold with another bank or building society, using the Mobile Banking app simply log in, then select ‘Pay & transfer’.

    From here you can choose to pay by debit card or, more conveniently, to pay from another bank or building society account.

    If you choose to pay from your account with another bank:

    • Enter the amount you’d like to pay.
    • From the list, select the bank you have an account with and want to pay from.
    • We’ll briefly hand you over to their website or app to approve the payment.

    This isn’t possible with all banks and building societies yet, but more will be added as time goes on.

    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).
     

    There are a few other ways to make a debit card payment to your Lloyds Bank credit card.

    Using Internet banking: 

    • To get started, log on or register. 
    • From your credit card account summary, look for the ‘Pay credit card’ option.

    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 also make payments in branch. Find a branch.

    Otherwise, you can make a payment from your current account in the same way you pay a bill or person. 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. 
     

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

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

  • 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. 

    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.