How to manage your bills

Managing your bills can be stressful, but with some tips and tools, we can help you feel more in control of your payments.

List​ all of your outgoing payments

Write a list of all your bill payments, how much they are and when they are due. Think about things like your mortgage or rent payments, mobile phone costs and utility bills. If your bills are different each month, use the average cost of your last three bills.

Look to see if you have any subscriptions and memberships and make a note of these too. You can view, block or cancel subscriptions through our Mobile Banking app.

If you bank with us online, spending insights breaks down your spending into useful categories, so you can see where your money goes each month.

If you're looking for more tips and tools to help you with your budgeting, visit our budgeting tips page.

Select when to pay

Some companies let you select the date your bill payment is due. You can usually just ring up whoever you're paying and agree to a set date.

It can be useful to have your bills come out on the day you get paid. So, if you get paid weekly, spreading out payments over the month might help you.

Internet Banking and our Mobile Banking app also let you keep track of what payments you have due, by using the upcoming payments function.

Depending on the type of bill, you can sometimes pay a one-off payment each year. As an example, you could select to pay your car insurance or road tax annually. By doing this you may pay less overall.

Select how you want to pay

Any of the following payment methods will put you in control of what and when you pay.

  • Direct Debit – lets your bank or building society know that a business or service can collect payments from your account on a set date. The business or service will let you know the amount you need to pay.
  • Standing order - is a regular payment of the same amount that’s paid on a specified date. It allows your bank to take money regularly from your account to pay another account. You can set up and manage standing orders through the Mobile Banking app or Internet Banking.
  • One-off payments - you can make these types of payments over the phone and online.

Make sure you are getting the best deal

Comparison websites help you see if you are getting a fair deal. These sites make it easy for you to compare prices of products and services.

If you have contracts due for renewal, you can compare prices across comparison websites to find a better deal that meets your needs and budget.

MoneyHelper has some useful advice on using comparison websites.

There are also a few ways you can seek help with covering the cost of your energy bills, if you need it.

Online payments

Manage your bills online

Managing your bills and payments online is quick and secure in our Mobile Banking app or through Internet Banking. Learn more about the services available to you.

How to make payments online

Keeping you safe

You need to take care when you use Internet or Mobile Banking. We have advice and guidance to tell you how to keep yourself safe from fraud.

How to protect yourself online

Other support

Money Worries

If you are struggling with your finances, or worried about the increased cost of living, you are not alone.

We are here to help you make the most of your money.

Support with money worries

If you don't bank online

We can still help you. It is important to deal with your money worries as soon as you can. If you are struggling with your payments and don’t bank online or would like to know your options, we have support available.

How we can help

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 or you can register for the first time in the app. Our app is available to iOS and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn't work on jailbroken or rooted devices. Terms and conditions apply.