Ways to pay your credit card bill

You’ll find your credit card balance on your monthly statement.

You can either pay the full balance or part of it, but you must make at least the minimum payment shown on the statement. It’s always better to pay more because the quicker you pay off your balance the less interest you’re likely to be charged.

There are a number of ways to pay your bill – find the one that suits you so you never miss a payment.

Direct Debit

For one less thing to worry about each month, we recommend you set up a Direct Debit to automatically pay your credit card account by the due date.

Choose from three options:

  • Full payment: clears the total balance on your monthly statement.
  • Minimum payment: collects the minimum payment on your monthly statement. If you only make a minimum payment every month, it will take you longer to pay off your balance.
  • Fixed amount or percentage: pays a fixed amount or percentage of your balance each month. We’ll always collect at least the minimum payment.

To set up a Direct Debit, log in to or register for Internet Banking and select the ‘Pay credit card’ button. This service isn’t available on mobile at the moment.

 Or call 0345 964 5645 (Mon-Sun, 7am - 11pm).

One-off payments

If you’d prefer to manage things month-to-month, or make extra payments in addition to your Direct Debit, there are a number of options. Just make sure at least the minimum amount is covered each month, and the method you choose gets your payment to your account before the due date. You can make additional payments at any point to reduce your balance and any interest costs.

If you’ve got a Direct Debit in place, any one-off payments you make will be taken on top of your monthly Direct Debit payment.

  • It’s easy to make payments from your Bank of Scotland current account.

    Using Internet Banking:

    • To start, login or register.
    • From your current account summary select ‘More actions’, then ‘Payments and transfers’.

    Using the Mobile Banking app:

    • Login to get started.
    • Select your current account, then choose ‘Pay & transfer'.

    Or call 0345 964 5645. Speak to an adviser 7am-11pm, 7 days a week. If you call, you’ll need your bank account or 16-digit credit card number to hand.

    You can also make payments in branch. Find a branch.

    Current account payments should reach your Bank of Scotland credit card account and update your available credit within 2 hours, but allow at least 1 working day for your list of recent transactions to update. 

  • You can make payments to your Bank of Scotland credit card from an account you hold with another bank or building society, using the Mobile Banking app:

    • Login to get started, and then select ‘Pay & transfer’.

    From here you can choose to pay by debit card or, more conveniently, to pay from another bank or building society account.

    If you choose to pay from your account with another bank:

    • Enter the amount you’d like to pay.
    • From the list, select the bank you have an account with and want to pay from.
    • We’ll briefly hand you over to their website or app to approve the payment.

    Not all banks and building societies support this service, but more will be added as time goes on.

    We only share payment information. No personal details are shared between banks. For full details and terms, please read our payment initiation services agreement (PDF, 64KB).

    There are a few other ways to make a debit card payment to your Bank of Scotland credit card.

    Using Internet Banking:

    • To start, login or register.
    • From your credit card account summary, select ‘Pay credit card’.

    Call 0345 964 5645. Speak to an adviser 7am-11pm, 7 days a week. If you call, you’ll need your 16-digit credit card number and your debit card details.

    You can also make payments in branch. Find a branch.

    Otherwise, you can make a payment from your current account in the same way you pay a bill or person. You’ll need these details:

    Account number: 0000 0000
    Sort code: 77-29-00

    So we know which account to apply your payment to, always make sure you include your most recent 16-digit credit card number as the payment reference. You’ll find this on your credit card, or on your most recent credit card statement.

    Current account payments should reach your Bank of Scotland credit card account and update your available credit within 2 hours, but allow at least 1 working day for your list of recent transactions to update.

    Debit card payments will reach your Bank of Scotland credit card account by the next working day.
     

  • At a Bank of Scotland branch, you can make payments by cash or cheque over the counter. Just remember to bring your credit card with you. Find a branch.

    Also at a branch, you can deposit a cheque using the ATM. Just insert your card and enter your PIN as usual, look for the option to deposit a cheque and follow the on-screen directions.

    Finally, you can send us a cheque by post, but please don’t send cash, just in case it gets lost.

    Make your cheque out to Bank of Scotland, remembering to write your name and credit card number on the back. Send your completed cheque to:

    Card Services
    Bank of Scotland (190)
    PO BOX 187
    Sheffield
    S98 1LJ

    If you’re posting a cheque, please allow at least 7 working days for delivery and for your payment to reach your Bank of Scotland credit card account.

    You need to know that we don’t accept cheques made out for a date in the future (post-dated). These are usually returned, which could result in a missed payment and additional fees.

  • If you’ve got a UK bank account or debit card, you should still be able to make payments online or by phone, even if you’re outside the UK. Just refer to the sections above for more information.

    Otherwise, most overseas banks should be able to arrange a BIC or SWIFT payment to us. You’ll need these details:

    IBAN: GB38LOYD30675699067997
    BIC/SWIFT: LOYDGB21705
    Reference: your most recent 16-digit credit card number

    How long does it take? Processing times can very, so check with the overseas bank when you request your payment.

What happens if I miss a payment?

It’s important that you make at least the minimum payment on your credit card bill every month and that it reaches your account by the due date.

If you miss a payment, you may be charged a late payment fee. A missed payment may also affect your credit score and your chance of being able to borrow money in future. For advice on how to stay in control of your card, read our top tips.

If you’re having trouble making your monthly payments, we may be able to help you. Call us on 0345 964 5645 (Mon-Sun, 7am - 11pm) or visit our Money Worries page.

Can I change my payment due date?

You can change the due date of your monthly credit card payment to one that’s more convenient for you

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.