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Credit Cards

How can I pay my Credit Card?

We’ve got several ways for you to pay your credit card bill, so it’s easy for you to keep up to date.  All of this information is contained within the how to pay section of your monthly statement. 


Pay by direct debit


You can set up regular payments to your credit card by Direct Debit, which means you won’t have to organise a manual payment each month. To set this up, you need to have registered for Online Banking. Once you’ve done this, follow these steps:


  • Log in to Online Banking, click on your account and then select "Manage account" in the top right hand corner.
  • Select “Make a payment” and then “Manage Direct Debit”. Here you can set up and manage your direct debits

If you get an email or text before your first Direct Debit date letting you know your statement is ready, you’ll need to make your first payment by bank transfer or debit card instead. Your Direct Debit should then be active for your next monthly statement.


If you have our Mobile App, you can also set up, manage and cancel your Direct Debit in the App.


Faster payment


You can transfer money from your bank account. Transfer the money to sort code 40-64-15, account number 31310006 and enter your 16-digit credit card number as the reference.


Payments made using the Faster Payment Service are normally made within two hours but can take up to 24 hours. However, they may take longer between 4pm Saturday and 6am Sunday and if we take our service offline for maintenance.


 Pay by debit card


When making debit card payments, please allow a minimum of 2 working days before the due date for the payment to clear. You can make debit card payments via Online Banking and our Mobile App. You will need to add the debit card first and then you can make a payment.


Online Banking


To do this, you need to first register for Online Banking. Then follow these steps:


  • Log in to Online Banking, click on your account and then select "Manage account" in the top right hand corner.
  • Select “Make a payment” and then “Make a debit card payment”


Mobile App


To do this you need to first download and set up our Mobile App. Then follow these steps:


  • Log into the Mobile App
  • Select the credit card you want to make a payment on
  • Select the menu icon and then select “Pay with debit card”

I'm trying to find out how to make a payment to a 3rd party credit card (NatWest).  Looking at several answers on here, they all say select the "Make a Payment" option.  I do not see this option anywhere!!!  All I have is "Move money out".

Hi @delboyaa, can you confirm what product it is you have with us? I.e. bank account, savings account etc - Michelle




I have a regular current account with the associated debit card


Thanks! We have some information on all of the available transfers with your current account here - Do you know what type of transfer it is you need to make? If it's to pay a credit card, then you can set up the credit card details as a bill payment.


To set up a payee - 


  • Log in to
  • click into the current account
  • Click the 'Manage Account' button at the top right
  • If you have multiple accounts, choose which account on the screen you're looking to manage
  • Click 'Manage Payees' on the left hand menu
  • Click the blue 'Add Payee' button
  • Fill out the information here for the credit card, there will be space for the credit card specific sort code and account number which you'll get from Natwest and you must also enter your 16 digit credit card number as the 'Reference'
  • Click the blue 'Continue' button
  • Check over the information and then click 'Confirm'


You'll now have your payee account set up!


To make a payment to the payee- 

  • Navigate back to your main Online Banking page
  • Click into the current account in question
  • Click the 'Manage Account' button
  • click the blue 'Move Money Out' button
  • Click 'Move Money Out' on the left hand menu
  • Select the credit card Payee from the drop down menu
  • and on the next screen you can enter in how much you'd like to pay and when! Just ensure that the credit card number is there as the reference before you hit 'Continue'

I hope that helps :-)


Hi MichelleC


Thanks for that.  I have set up several payees before, but I knew the system would reject the 16 digit card no as account number.


The problem now is that there does not seem to be a specific account number for the credit card, nor a sort code.  Would these be the same as those for my current account at NatWest??



You should be able to find the account number and sort code for the credit card on your credit card statement and you would normally enter the 16 digit card number as the payment reference. This is because the credit card account number and sort code is generic for all customers and banks use the payment reference (16 digit card number) to allocate the payment to the correct card. If you’re having trouble finding the account details, I’d suggest getting in touch with the card provider who will be able to confirm these for you. I hope this clears things up.