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.

  • Select when to pay

    Some companies let you select the date your 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 make 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.

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 make the most of your money each month, visit our budgeting tips page.

Help with energy bills

Save money on heating

Everyday changes you can make to save on your heating bills.

How you can save on heating

Energy efficient home

Use our Eco Home Tool to show you how much money you could save by making improvements to the energy efficiency in your home.

Eco Home Tool

Your energy supply

Citizens Advice has lots of guidance to help you pay your energy bills.

Citizens Advice

Help with water bills

CCW logo. The boice for water consumers.

CCW is the independent voice for water consumers in England and Wales, providing free advice and support.

Their advice hub is packed with information and useful tools to help you reduce your bills or access financial support. That includes advice on the different types of schemes that water companies provide.

Visit CCW

Help with food bills

Too Good To Go

Save some money on your food bills by trying the Too Good To Go app. You can get great deals on leftover food from local shops and restaurants, which may otherwise go to waste.

Save on food now

Supermarket shopping tips

This MoneySavingExpert guide is packed with tools and tricks to help you save on your supermarket shop.

Start saving

Other support

Free independent help and advice

Get support with your finances from free independent organisations or the government.

Get free help now

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 take control of your money.

Support with money worries

Food banks

Using a food bank can be daunting, but trained volunteers are on hand to help with your referral, and make sure you have access to the support you need.

Trussell Trust

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.

How to make payments online

Keeping you safe

Whether you're shopping or managing your finances online, there are things you can do to protect yourself from fraud.

How to protect yourself online

Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.

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