Paying your credit card by debit card

You can do this online

  • Pay your credit card at any time with a debit card.
  • The payment should reach your credit card by the next working day.
  • You can make extra payments even if you have a Direct Debit set up.

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.

  • 1. Log in and select Pay & transfer. You'll find this at the bottom of your app screen.

    2. Select the account to pay from. Then find the credit card account you wish to pay by selecting To.

    3. Enter the amount. Then check the details before selecting Confirm.

    4. Enter your debit card details. Then check the details before submitting for approval. If you wish to save these details for future use, just tick the box when prompted.

    5. All done. Once approved you will receive confirmation and the approximate amount of time it will take to update your balance.

    1. Log in to online banking and select “Pay credit card”.
    2. Select ‘Make a one-off payment’ radio button.
    3. Enter a payment amount or select from available options.
    4. Enter debit card details or select a saved card.
    5. Review and confirm payment.
    6. If needed complete authentication.
    7. Payment is processed and confirmation is shown instantly.

    Log in to online banking

Getting started online

 

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Continue to app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Let’s look at the details

  • 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. 

    • Debit card payments should reach your Bank of Scotland credit card account by the next working day.
    • You can only make one debit card payment per day to your credit card. You can use one of our other ways to pay if you need to make more than one payment per day.

  • 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.

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