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 want to make one-off payments, you’ll need to remember to do this every month. Make sure there’s enough time for the payment to reach your account by the due date (allow extra time over bank holidays).

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.

Table outlines methods of one time payments

From a Bank of Scotland current account

The easiest and fastest way to make a credit card payment is through Internet Banking. Log in or register for Internet Banking and select the ‘Pay credit card’ button. From the mobile app, select ‘Make a Payment’ from the menu button next to your card. Payments will show on your statement by the next working day.


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

From another current account

You can pay by debit card – just log in to or register for Internet Banking and select ‘Pay credit card’.


From an international account

Use the IBAN GB38LOYD30675699067997 and the BIC/SWIFT LOYDGB21705.

By cheque or cash

Visit us in branch and bring your credit card with you to pay by cash or cheque. Find a branch.


Or send us a cheque by post. Make it payable to Bank of Scotland followed by credit card number, then send it to:


Card Services

Bank of Scotland (190)

PO BOX 187


S98 1LJ


Allow seven working days for the payment to reach us. Do not send cash by post.

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.