Ways to pay your credit card

There are four ways to pay by Direct Debit each month

1. Pay the minimum payment
   
2. Pay the full statement balance
3. Pay a fixed amount 
4. Pay a fixed percentage, between 2.5% and 99%

To help you manage your account we might make changes to your payment amount. If your payment doesn’t cover the minimum payment, we may increase it. We may also increase it if you have any missed payments. We may reduce your payment to avoid putting your account into credit.

How to set up a Direct Debit

The fastest way to do this is through Internet Banking on a laptop or desktop computer. Here's how to set it up:

1. Log in to Internet Banking.
   
2. Select Pay credit card from the menu next to the card you want to pay.
3. Select Regular Payments from the Ways to Pay options.
4. Select set up regular payments.
5. Enter your bank or building society sort code and account number. 
6. Select the amount you wish to pay ever month then continue.
7. Check the details are correct, enter your Internet Banking password and confirm.

That's it, your Direct Debit will be set up and you will you be told when the first payment will be taken. 

Log in to set up a Direct Debit

Register for Internet Banking

When your Direct Debit is in place, it will show on your statement and your online account. Until then, continue to make payments using one of the other methods. You can change the way you pay your Direct Debit at any time.

Other ways to set up a Direct Debit

Call us on 0345 964 5645 7am-11pm, 7 days a week. You’ll need your 16-digit credit card number if you call us. 

Or, you can also set up a Direct Debit in branch. Find a branch.

Pay using our Mobile Banking app

Simply log in, then select ‘Pay & transfer'.

When will the payment reach my credit card?

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

Pay using Internet Banking

From your current account summary, look for the ‘Pay credit card’ option.

When will the payment reach my credit card?

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

Log in to pay your credit card

Register for Internet Banking

There are three ways to pay your Bank of Scotland credit card from a different bank or building society.

1. Using our app to connect with your other provider to set up a payment. This isn’t possible with all banks and building societies yet, but more will be added over time.
2. Transfer the money.
3. Entering your debit card details.

Pay using the app from your account with another bank

Open our app, then select ‘Pay & transfer’.

Choose pay from another bank or building society account.

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.

When will the payment reach my credit card?

Your payment should reach your Bank of Scotland credit card account within 2 hours. This will update your available credit. But please allow at least 1 working day for your list of recent transactions to update.

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

Transfer the money using your bank's online service

You can also make a payment from your current account in the same way you pay a bill or person. Using either our app or Internet Banking. You’ll need these details:

Account number – 0000 0000 

Sort code – 77-29-00 

Remember to include your most recent 16-digit credit card number as the payment reference, just so we know which account to apply your payment to. You’ll find this on your credit card itself, or on your most recent credit card statement. 

When will the payment reach my credit card?

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

Pay online with a debit card

If you’re using our app, simply log in, then select ‘Pay & transfer'.

Or, using Internet Banking. From your current account summary, look for the ‘Pay credit card’ option.

When will the payment reach my credit card?

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

Log in to pay your credit card bill

Log in to pay 

Register for Internet Banking

Pay over the phone

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

Pay in a branch

You can make payments by cash or cheque in branch. Just remember to bring your credit card with you. Find a branch.

At a Bank of Scotland branch, you can also deposit a cheque using the Cashpoint®. Simply insert your card and PIN as usual, look for the option to deposit a cheque and follow the on-screen instructions. 

Pay by posting a cheque

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 and remember 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 it reach your Bank of Scotland credit card account. 

It’s important 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.

In addition to fees and charges, you could lose any promotional rates which apply to your account if you miss a payment. In that situation, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score and ability to borrow in future, so it’s important to stay on top of things and manage your account well.

You need to make at least the minimum payment shown on your statement each month, and make sure that it reaches your account by the due date.

If you’re ever experiencing difficulties with making credit card payments, please let us know so we can help. You’ll find information and support at our money worries page, or you can call us on 0345 964 5645. Speak to an adviser 7am-11pm, 7 days a week.

Yes, you can change your payment due date if it would better suit your needs. For example if you usually receive your salary after your credit card payment due date falls.

Using Internet Banking – login or register. From your credit card account summary select ‘More actions’, then ‘Paying your credit card’.

Call us on 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.

It’s important to be aware that your change may apply to a future payment, rather than your current statement payment, depending on when you make your request.

You may be aware that different interest rates apply to portions of your balance, varying based on transaction type, and whether the standard or any promotional rates apply. Your latest credit card statement includes a summary of the interest rates which apply to your account.

As soon as transactions show on your monthly statements, those with a higher-interest rate will be paid before any lower-rate balances, including any promotional rates that might be finishing soon.
Balances with the same interest rate will be paid off in this order:

1. Cash transactions (ATM or over the counter withdrawals).
2. Card purchases.
3. Balance and money transfers.
4. Default fees, including interest and other charges added.

For each balance type, the oldest transactions, along with any related fees, charges and insurance, will be repaid first.

You can make additional payments at any time to reduce your balance and any interest costs, but it’s important to understand how interest is charged and when it applies, particularly if you plan to pay off your balance in full.

Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. This covers the interest calculated on your balance in the days between your statement being issued and you making a full statement balance payment.

Note that you can’t overpay to cover any potential residual interest. The amount may vary based on the interest rates which apply to portions of your outstanding balance, so the best thing to do it look out for your next statement and pay any outstanding interest then.

We don’t charge further interest when there’s only interest left to pay.