Other ways to pay your credit card

You can do this online

  • Pay your credit card by phone, in branch, or with a cheque.
  • Paying by Direct Debit is still the most convenient way to pay. You can set one up on a desktop or laptop computer.
  • You can make extra payments even if you have a Direct Debit set up.

Keep in mind:

If you make an extra payment, we may still collect your Direct Debit in full.

How to do it

How to do it

We'll take it step by step.

  • 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.
     

  • 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 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

    Keep in mind...

    • 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, 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.
       

Call us on 0345 964 5645. You can speak to an adviser 8am – 8pm, seven days a week.

Not all Telephone Banking services are available 24 hours a day, seven days a week.

If you choose to call, you’ll need your 16-digit credit card number and your debit card details.
 

Getting started online

Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications.

 

More about our app

Internet Banking

Log in to view or manage your accounts on our website.

 

Log in to Internet Banking

Register


Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications. 
Download our app

Internet Banking

Log in to view or manage your accounts on our website.

Log in to Internet Banking

Register

A look at the details

    • You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month by the due date. Your minimum payment is either 2.5% of your balance plus any interest and fees or £5 – whichever is higher.
    • If you can't pay the whole statement balance, it's a good idea to pay as much as you can, as it may help to keep any interest costs down.
    • If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.
    • If you miss or make a late payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
    • Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due.
    • If a Direct Debit isn’t taken for 37 months, it will become inactive, and your bank or building society will remove the details from their systems. If this happens, you’ll need to set up a new one.
    • You can also make payments, instead or in addition to a Direct Debit, from a bank account, with a debit card, by cheque or with cash at a branch. 
    • If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 
    • You can change your payment due date to better suit your needs. For example, if you usually receive your salary later than your due date falls.
    • The fastest way to do this is through Internet Banking on a desktop or laptop computer. 
    • To use Internet Banking, log in or register to get started. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’. Here, select ‘Request payment due date change’.
    • Just be aware, your change may apply to a future payment, rather than the next one, depending on when you make your request.

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Everyday banking online

Manage your profile, money or cards from your sofa with our app or Internet Banking.
 

What you can do online

Other ways to pay

There are a number of ways to pay your credit card.

Bank of Scotland Account

Pay from another bank

Debit card

Overseas

Other ways to pay

More ways to pay your credit card

Make payments online, by phone, in branch or by post.

See our guides

More ways to pay your credit card

Make payments online, by phone, in branch or by post.

See our guides