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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.  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

This is a pointless excercise.. I have been private messaging and none of the responses have actually resulted in me getting any concrete answers... 

I can see my colleague has explained the correct information via private message, @rblacoe. If you want to discuss this further, please contact our Credit Card team on 0345 300 4278, open 24 hours – Christina


I have a DD set up to pay my credit card but the DD date is very close to my statement "pay by" date. To avoid interest or late payment charge should it be changed? If so, how do I do that?

@Viniecon There is no need to change this. We will pay the direct debit for you, whilst we wait for the funds to clear. There is no risk of late payments or related charges as long as the funds are available in your account on your due date.


Hi I have forgot my online banking passwords can't check to see when Bill is due and I haven't received any paper statement.  

@Jengibbs13, can you please try going through “Forgotten your password?” if you are using a device you have recognised in the past. The link below has more information about what to do if you are locked out of your online banking. Alternatively, you can check your balance by giving us a call on 0345 300 4278 (24/7), where one of my colleagues will be able to help as this isn't something we are able to confirm via this channel.


Hello. I have had multiple 0% balenece transfer offers that I have used over the years and they are broken down in my statement. However i was wondering how can 8 find out how long is left on each offer. Also more importantly why when I make a payment it doesn't take it off the ballance of my oldest offer but the most recent. Thanks

Hi Joe, I'll be able to help you with this. Please privately message @CET with your full name, DOB and postcode and I'll check this information for you.


Payment was made 21st November showing up on statement but availability is wrong dosent include the payment I made why is that?

Hi Clarence, sorry to hear about this. Can you please send a private message to @CET including your full name, DOB and postcode? I'll then be able to look into this further for you.