Go paper-free
Amend paper-free preferences for your statements and correspondence.
Paying your credit card by Direct Debit
You can do this in Internet Banking
- Set up or manage a Direct Debit on a desktop or laptop computer.
- Choose how much you want to pay each month.
- Change the date you pay and take control of your credit card payments.
How to do it
We'll take it step by step.
-
1. Log in 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.
-
1. Log in 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 Debit has been cancelled. Remember to check your statement for when your next payment is due.
To set up a Direct Debit
1. Log in and Select Pay Credit Card. You'll find this on your bank account summary.
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.
Getting started online
-
If you're not registered for Internet Banking, you can visit us in branch or call us. You can also pay by post.
You’ll need your 16-digit credit card number if you call us.
A 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 due date. Your minimum payment is either 2.5% of your balance plus any interest and fees or £5 – whichever is higher. Learn more about minimum payments.
- 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.
-
- 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.
- 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 four 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 was produced.
- - 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.
- - An amount set by you. If this set amount is less than the minimum payment due, we'll take the minimum payment.
- 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.
-
- 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 the Direct Debit has been cancelled, you'll 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's due.
-
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 our Mobile Banking app or Internet Banking on a laptop or desktop computer.
- On the Mobile Banking app, from your credit card account summary select the 3 dots, scroll to Manage Account. Select Change payment due date to begin.
- To use Internet 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.
You might also like
