Paying your credit card

You can do this online

  • It's simple and safe to manage your payments online.
  • We offer a range of payments methods.
  • Manage your payments on the go, anytime, anywhere.

Keep in mind:

If you make an extra payment, we may still collect your direct debit in full.

Steps to take

We’ll guide you through it.

  • In the app, you can pay with your debit card or from another bank.
    1. Log in and select 'Payments' at the bottom of the screen. 
    2. Select where you’d like to make your payment from and the credit card you’d like to pay into.
    3. Follow the on-screen instructions to complete your payment.

  • In online banking, you can pay with your debit card, from another bank and by direct debit.

    1. Log in and select 'Pay credit card' from by the side of your credit card account.
    2. Select your preferred payment method.
    3. Follow the on-screen instructions to complete your payment.

Getting started online

Let’s look at the details

Payment options

  • If a direct debit isn't taken for 37 months, it becomes inactive. Your bank or building society will remove the details from their systems. If this happens, you'll need to set up a new one.

    When your direct debit is in place, it will show on your statement and your online account. Until then, continue to make payments yourself.

    Direct debit payments can be for one of three monthly payment amounts:

    • Just the minimum. We'll take the minimum payment due.
    • The full statement balance. We'll take the outstanding account balance when your statement is produced.
    • An amount set by you. If this set amount is less than the minimum payment due, we'll take the minimum payment.

    Always check that you have enough money in your account. This will help you cover your direct debit and any extra payments. If you have a direct debit set up, remember that extra payments usually don't lower the amount of your direct debit.

    To help you manage your account, we might increase your payment if you usually pay a fixed amount and it's not enough to cover your minimum payment, or if you have any missed payments or reduce your payment to avoid putting your account into credit.

  • If you cancel your direct debit near your due date, we may not be able to cancel the current payment. It will already have begun processing. Once you cancel the direct debit, you'll need to pay at least the minimum amount each month. Make sure you allow enough time for your payment to reach your account before the date it's due.

  • You can send us a cheque by post. Don't send cash.

    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, make sure you allow at least seven working days for it to reach your credit card account.

    We don’t accept cheques made out for a date in the future (post-dated). These are usually returned. This can result in a missed payment and fees.

  • If you’ve got a UK bank account or debit card, you should be able to make payments online or by phone.

    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

    Keep in mind, processing times can vary. Check with the overseas bank when you set up your payment.

Account information

  • 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 by the payment due date to avoid being charged a late payment fee.

    If you can't pay the whole statement balance, it's a good idea to pay as much as you can. This can help to keep any interest costs down.

    If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.

    If you pay late or miss a payment, you may have to pay a late payment fee. You could also lose any promotional offers you have, and it could damage your credit score.

    Set up a regular direct debit payment and we’ll automatically claim your selected payment amount when it’s due. 

    If a direct debit isn’t taken for 37 months, it will become inactive. Your bank or building society will remove the details from their systems. If this happens, you’ll need to set up a new one.

    You can make payments in several ways. You can use a bank account, a debit card, or a cheque. You can also pay with cash at a branch. You can choose to do this instead of a direct debit or in addition to it.

    If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 

  • Different rates of interest could apply to different parts of your balance, and whether the standard variable rate or a promotional rate applies. 

    What's your standard variable rate?

    Your standard variable rate is the rate of interest you pay when you have no promotional offers in place. It’s also the rate you’d go back to paying after a promotional rate ends. You can find your current standard variable rates on your monthly statement.

    Find out more about interest rates

    What's a promotional rate?

    We offer promotional rates for a fixed period of time. For example, a 0% offer rate or a rate lower than your standard interest rate.

    Find out more about promotional interest rates

    You can check the rates that apply to your account balance on your latest credit card statement. You can view your latest statement using online banking, the mobile banking app, or on your latest printed statement if you receive them. 

Managing your payments

  • If you miss a payment, you may be charged a late payment fee. You could lose any promotional rates that 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, let us know so we can help. You’ll find information and support on our money worries page.

  • 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.

    The fastest way to do this is through the mobile banking app or online banking on a laptop or desktop computer.

    In the app, from your credit card account summary, select the three dot menu. Then scroll to 'Change payment due date' to begin.

    To use online banking, log in or register to get started. From your credit card account summary, select 'More actions', then 'Paying your credit card'. Here, select 'Request payment due date change'.

    Just be aware, your change may apply to a future payment, rather than the next one, depending on when you make your request.

  • When you make a payment, we’ll pay off what you owe in this order:

    1. Overdue amounts carried over from the last statements.
    2. Existing balances on your current statement, starting with the highest rate of interest first.
    3. Any new transactions not yet showing on your current statement.

    If you’re in persistent debt, we may apply your payments differently. 

    Why do we pay off higher rate balances first?

    To help reduce the total interest you'll pay, we'll pay off balances on your current statement first. We'll focus on those with a higher interest rate. Even if you have a lower rate promotional offer that’s coming to an end soon.

    What about different balance types with the same interest rate?

    If you have more than one balance type, with the same interest rate, we'll pay off what you owe in this order: 

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

    What about multiple offers of the same interest rate and the same balance type?

    Multiple offers of the same interest rate and the same balance type will be paid off in the order you took them out, not the order in which the offers will end.

    For example:

    You take out a 12-month money transfer offer, which we’ll call ‘Balance A’. Then three months into this offer you take out a new six-month money transfer offer, which we’ll call ‘Balance B’.

    Any payments you make to your credit card will go toward paying off Balance A. This is because you took out that offer first, even though the offer on Balance B will end sooner. 

    You’ll start to pay off Balance B if you completely clear Balance A before Balance B ends, or if the promotional rate on Balance B comes to an end, taking the rate of interest back up to a higher rate than Balance A.

    So, it’s always worth checking the ‘Breakdown of your balance’ section on your monthly statement to make sure you know which balances your payments will be going towards.

  • When setting up a direct debit, you can choose to make the minimum payment, clear the full balance or set a fixed amount.

    You can make extra 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. 

    We work out interest daily. It's charged to your credit card statement when it's produced each month. You might 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.

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