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Paying your credit card from another bank
You can do this online
- Transfer money at any time from your bank or building society account.
- The payment should reach your credit card within 2 hours.
- 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.
How to do it
We'll take it step by step.
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You can also make a one-off payment, or a re-occurring standing order, from your current account in the same way you pay a bill or person. Using your chosen bank's app or Internet Banking, you’ll need these details to set up a new payee and complete a payment:
Account number: 0000 0000
Sort code: 77-29-00
Remember to include your most recent 16-digit credit card number as the payment reference, just so we know which account to apply your payment to. You’ll find this on your credit card itself, or on your most recent credit card statement.
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If you have a UK debit card, you'll be able to pay your credit card using our app or Internet Banking service.
This service is currently only available for Barclays, First Direct Bank, HSBC Bank - Personal, Halifax, Lloyds Bank, Monzo, Natwest Bank, Nationwide Building Society, Revolut, Royal Bank of Scotland and Santander. If your bank or building society isn't listed you’ll need to choose an alternative way to pay.
- Log in and select Pay & transfer. You'll find this at the bottom of your app screen.
- Select pay from another bank or building society. Then enter the amount you want to pay off of your credit card followed by Continue.
- Select your bank or building society. You'll be briefly handed over to the other bank's website or app. When prompted, approve the payment.
- All done. Your payment has been made. Please allow up to 2 hours to reach your credit card account.
We only share payment information. No other personal details are shared between banks. For full details and terms, please read our payment initiation services agreement (PDF, 64KB).
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Paying using our Mobile Banking app is currently only available with these banks and building societies:
- Barclays
- First Direct Bank
- Halifax
- HSBC Bank - Personal
- Lloyds Bank
- Monzo
- Natwest Bank
- Nationwide Building Society
- Revolut
- Royal Bank of Scotland
- Santander
- Starling Bank
- TSB Bank
If your bank or building society isn't listed, please choose a different method of payment.
Getting started online
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If you're not registered for online 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
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- Payments should reach your Bank of Scotland credit card account within 2 hours. This will then update your available credit.
- Please allow at least 1 working day for your list of recent transactions to update.
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