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Online Banking

Paying your 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.


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. 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”


Version History
Revision #
17 of 17
Last update:
3 weeks ago
Updated by:
I have a DD set for my credit card payment - it hasn't been taken this month, there are ample funds in my account. .does anyone know why?

Hi @Hazelc1, sorry to hear that your payment didn't go through this month. Is this the first time you've used direct debit on your account? If it was set up between the date your statement was produced and your payment due date, then a warning would've appeared online to say that a manual payment would be required. We wouldn't be able to confirm for certain on Community though, please call us on 0345 300 4278, available 24/7, and our team can find out exactly what's happened – Scott