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, sign in to or register for Online Banking and select the ‘Pay credit card’ button. This service isn’t available on mobile at the moment.

Or call 0345 944 4555 (Mon-Sun, 7am - 11pm).

One-off payments

If you want to manage things month-to-month, or make additional payments on top of your Direct Debit, you’ve got a few options. Just make sure you pay at least the minimum each month, and that the method you use gets your payment to us before the due date. You can make additional payments at any point to reduce your balance and any interest costs.


  • Using Online Banking:

    • Sign in or register to get started.
    • From your current account summary, select ‘Pay credit card’.


    Using the Mobile Banking app simply sign in, then select ‘Pay & transfer’.


    Or call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your bank account number, or 16-digit credit card number.


    You can also make payments in branch. Find a branch.

     

    Current account payments should reach your Halifax credit card account and update your available credit within two hours, but allow at least one working day for your list of recent transactions to update.


  • Using the Mobile Banking app simply sign in, 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.

    This isn’t possible with all banks and building societies yet, but more will be added as time goes on.

    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, 86KB).

    There are a few other ways to make a debit card payment to your Halifax credit card.


    Using Online Banking:
    Sign in or register to get started.
    From your credit card account summary, select ‘Pay credit card’.


    Or call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. 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
    Reference: your most recent 16-digit credit card number

     

    Current account payments should reach your Halifax credit card account and update your available credit within two hours, but allow at least one working day for your list of recent transactions to update.

    Debit card payments will reach your Halifax credit card account by the next working day.


  • At a Halifax branch, you can make payments over the counter using cash or by cheque. Just remember to bring your credit card with you.

    Also at a branch, you can deposit a cheque using the ATM. Just insert your card and enter your PIN, 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 Halifax Bank, remembering to write your name and credit card number on the back. Send your completed cheque to:

    Halifax Card Services
    PO BOX 109
    Sheffield
    S98 1GE

    Allow at least seven working days for delivery and for your payment it reach your credit card account.

    Please note that we don’t accept cheques made out for future dates (post-dated). These are usually returned, which could mean you’ll miss payments and be charged additional fees.


  • If you’ve got a UK bank account or debit card, you should still be able to make payments online or over the phone, even if you’re outside the UK. Check the sections above for more details.

    Otherwise, most overseas banks should be able to arrange a BIC or SWIFT payment to us. You’ll just need these details:

    • IBAN: GB38LOYD30675699067997
    • BIC/SWIFT: LOYDGB21705
    • Reference: your most recent 16-digit credit card number

    Processing times can very, so check with the overseas bank when you request your payment.

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 944 4555 (Mon-Sun, 7am - 11pm) or visit our Money Worries page.

Can I change my payment due date?

Yes, you can change the due date of your monthly credit card payment to one that’s more convenient for you.  

Find out how to change the payment due date

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.