Paying your credit card by Direct Debit

You can do this in Internet Banking

  • Set up or manage a Direct Debit on a desktop or laptop computer.
  • Choose how much you want to pay each month.
  • Change the date you pay and take control of your credit card payments.

How to do it

We'll take it step by step.

To set up a Direct Debit

1. Log in and Select Pay Credit Card. You'll find this on your bank account summary.

2. Select Pay by Direct Debit. This appears as the second option in the Ways to Pay page.

3. Select Set Up Direct Debit. You'll then be prompted to enter your bank or building society sort code and account number followed by the monthly payment amount.

4. Check the details are correct. Then enter your password and select Confirm.

5. All done. Your Direct Debit is set up and you will you be advised of when the first payment will be taken.

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Getting started online

 

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  • Simple and secure login.
  • Set up handy notifications.

 
 

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

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Mobile banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Set up handy notifications.
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Online banking

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

Log in

Register

A look at the details

    • 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.
    • When your Direct Debit is in place, it will show on your statement and your online account. Until then, continue to make payments yourself.
    • Direct Debit payments can be for one of four monthly payment amounts:
      1. - Just the minimum. We'll take the minimum payment due.
      2. - The full statement balance. We'll take the outstanding account balance when your statement was produced.
      3. - An amount set by you. If this set amount is less than the minimum payment due, we'll take the minimum payment.
    • Always make sure you have enough money in your account to cover both your Direct Debit and any extra payments.
    • If you have a direct debit set up, any extra payments won’t usually reduce your Direct Debit amount.
    • You usually pay a percentage and it's not enough to cover your minimum payment.
    • If you cancel your Direct Debit near your due date, we may not be able to cancel the current payment. It will already have begun processing.
    • Once the Direct Debit has been cancelled, you'll need to pay at least the minimum amount each month. 
    • Please allow enough time for your payment to reach your account before the date it's due.

Credit cards support

Get customer support on how to manage your Bank of Scotland credit card.

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Credit cards support

Get customer support on how to manage your Bank of Scotland credit card.

View credit cards support