Ways to pay your credit card

Choose one of three payment amounts:

• Just the minimum.
• The full statement balance.
• An amount set by you.

Just so you know, to help you manage your account, we may increase your payment if you usually pay a fixed amount or percentage and that’s not enough to cover your minimum payment. We could also increase your payment if you have any missed payments, or reduce it so your account won’t end up in credit.

Once your Direct Debit is in place, you just need to make sure there’s enough money in your selected bank or building society account when we claim your payment each month. If there isn’t, fees and charges could apply.

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

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

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

To cancel or make changes to your Direct Debit in future, you can use any of the services listed above.

When your Direct Debit is in place, it’ll show on your statement and online account. Until then, continue to make any due payments using a one-off payment method.

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 current 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 to 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.

It’s a good idea to repay as much as you can each month, helping to reduce your balance and keep your borrowing costs to a minimum. If you can, of course you can pay off your credit card balance in full, but it’s important to understand how interest is charged and when it applies.

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’. Check out our guide to paying your credit card balance in full.

Whether you simply forget, or you’re struggling to manage your finances, keeping up with payments is important to managing your account.

If you miss a payment, in addition to fees and charges, you could also lose any promotional rates which apply to your account. If that happens, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score, which could make it more difficult to get credit again in future. So, it’s important to manage your credit card account well.

You must make at least the minimum payment shown on your statement each month, and make sure 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 0808 145 0439. Speak to an adviser Mon-Fri 8am-9pm, Sat 8am-4pm, and Sun 9am-2pm.

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

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

Just be aware that your change might apply to a future payment, rather than your current statement payment, depending on when you make your request.

You might know that different interest rates apply to portions of your balance, based on transaction type and whether the standard or any promotional rates apply. Your latest credit card statement includes a summary of your current interest rates.

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 ending 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.