Paying your credit card by Direct Debit

How to use Direct Debits to make payments.

  • The fastest way to set up a Direct Debit is through Internet Banking on a laptop or desktop computer.

    You can change the amount you pay or the account you pay from. If you need to change your due date, you can also do this through Internet Banking on a laptop or desktop computer. From your credit card account summary, select 'More actions', then 'Paying your credit card', then 'Request payment due date change'.

    1. Log on and select Pay credit card, you'll find this next to the account you want to send the payment from.
    2. Select Change or cancel Direct Debit. This appears as the second option in the Ways to Pay page.
    3. Select Change Direct Debit. When prompted, update your Direct Debit details as appropriate.
    4. Check the details are correct. Then enter your password and select Confirm.
    5. All done. Your Direct Debit has been changed and you will you be advised of when the new details will be used.

    Log on to Internet Banking

  • The fastest way to cancel a Direct Debit is through Internet Banking on a laptop or desktop computer.

    1. Log on and select Pay credit card, you'll find this next to the account you want to send the payment from.
    2. Select Change or cancel Direct Debit. This appears as the second option in the Ways to Pay page.
    3. Select cancel. Read and confirm that you have understood all the information. Then enter your password and select Confirm.
    4. All done. Your Direct Debit has been cancelled. Remember to check your statement for when your next payment is due. 

    Log on to Internet Banking

  • Over the phone:

    You can set up a Direct Debit by calling us on 0345 606 2172. Speak to an adviser 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week.

    If you choose to call. You’ll need your 16-digit credit card number if you call us.

    In a branch:

    You can also set up a Direct Debit in branch.

    Find a branch

  • The fastest way to set up a Direct Debit is through Internet Banking on a laptop or desktop computer.
  • To set up a Direct Debit you’ll need; your bank or building society sort code and account number.
  • Direct Debit payments can be made by one of four monthly payment amounts:
  1. Just the minimum. The minimum payment due will be taken.
  2. The full statement balance. The outstanding account balance when your statement was produced will be taken.
  3. Fixed percentage. You pay a fixed percentage of your balance each month. This can be anything from 2.5% to 99%. We’ll collect at least the  minimum payment each month, even if your fixed percentage amount falls below this
  4. An amount set by you. If this set amount is less than the minimum payment due, we will take the minimum payment.

To set up a Direct Debit 

  1. Log on and select Pay credit card, you'll find this next to the account you want to send the payment from.
  2. Select Pay by Direct Debit. This appears as the second option in the Ways to Pay page.
  3. Select Set Up Direct Debit. You'll then be prompted to enter your bank or building society sort code and account number followed by the monthly payment amount
  4. Check the details are correct. Then enter your password and select Confirm. 
  5. All done. Your Direct Debit is set up and you will you be advised of when the first payment will be taken.

Log on to Internet Banking

Keep in mind...

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

Set Up / Amend your Direct Debit:
 
  • You can set up or amend your Direct Debit to pay your credit card at any time online using a computer or laptop. 
  • When your Direct Debit is in place, it’ll show on your statement and your online account. Until then, continue to make payments yourself.
  • Always make sure you have enough money in your account to cover both your Direct Debit and any extra payments.
  • If you have a Direct Debit set up any extra payments won’t usually reduce your Direct Debit amount.
  • To help you manage your account we may increase your payment if:
    • You usually pay a fixed amount or percentage and it’s not enough to cover your minimum payment. 
    • You have any missed payments or reduce your payment to avoid putting your account into credit.

Cancel your Direct Debit:

  • You can cancel your Direct Debit any time online using a computer or laptop.  
  • If you cancel your Direct Debit near your due date we may not be able to cancel the current payment as it will already have begun processing.
  • Once the Direct Debit has been cancelled you will need to pay at least the minimum amount each month. 
  • Please allow enough time for your payment to reach your account before the date it is due.

Key points about credit card payments

  • 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.
  • If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.
  • If you miss or make a late payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
  • 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, and 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 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. The fastest way to do this is through Internet Banking on a laptop or desktop computer. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’, then 'Request payment due date change'.

Other online services

Banking online can save you time. Find out about the things you can do on your phone or in your internet browser.

Other ways to pay

There are a number of ways to pay your credit card.