Ways to pay your credit card

Explore easy ways to make payments online, by phone, in branch and by post.

When to make payments

You can make payments to your credit card account at any time, but each month you need to pay at least the minimum amount shown on your statement. If you aren’t able to pay the whole statement balance, it’s a good idea to pay as much as possible to keep any interest costs to a minimum.

Regular payments

If you set up a Direct Debit, we’ll collect payments automatically from your selected bank or building society account when they’re due, giving you one less thing to remember.

  • You can set one of three monthly payment amounts:

    • Just the minimum.
    • Your full statement balance.
    • Another amount set by you.

    It’s important to know that, if the amount set by you is ever lower than the minimum payment, we’ll always collect the higher minimum amount. That’s just so you won’t be charged a late payment fee.

    Just so you know we may also increase your payment if you have any missed payments, or reduce your payment to avoid putting your account into credit.

    If you make additional payments to your account during the month we may still collect your Direct Debit in full.

    Although we collect Direct Debit payments automatically, you just need to make sure there’s enough money in your selected bank or building society account.

    To set up a Direct Debit online, you’ll need your bank or building society account number and sort code. Simply login or register for Internet Banking to get started.

    Or call 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 to hand.

    You can also set up a Direct Debit in branch. Find a branch.

    You can also use the same services in future to manage your Direct Debit.

    When your Direct Debit is in place, it will show on your statement and online account. Until then, continue to make payments using one of the alternative options listed on this page.

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 simply login, then select ‘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. Simply login, 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.

Frequently asked payment questions

  • 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.

Mobile Banking app

If you’re already registered for Internet Banking, you’re just a few steps away from having access to convenient account services wherever you go, using our Mobile Banking app.

About mobile banking

We don't charge you to use our services, but your mobile operator might charge for some things (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality.

To use our Mobile Banking app you need to have a valid phone number registered to your account and be set up to manage your accounts using Internet Banking. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn’t work on jailbroken or rooted devices. Terms and conditions apply. Google Play is a trademark of Google Inc. App Store is a service mark of Apple Inc.

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.