Ways to pay your credit card

There are four ways to pay by Direct Debit each month

1. Pay the minimum payment
   
2. Pay the full statement balance
3. Pay a fixed amount 
4. Pay a fixed percentage (between 2.5% and 99%)

To help you manage your account we might make changes to your payment amount. If your payment doesn’t cover the minimum payment, we may increase it. We may also increase it if you have any missed payments. We may reduce your payment to avoid putting your account into credit.

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

How to set up a Direct Debit

The fastest way to do this is through Online Banking on a laptop or desktop computer. Here's how to set it up:

1. Sign into Online Banking.
   
2. Select Pay credit card from the menu next to the card you want to pay.
3. Select Regular Payments from the Ways to Pay options.
4. Select set up regular payments.
5. Enter your bank or building society sort code and account number. 
6. Select the amount you wish to pay ever month then continue.
7. Check the details are correct, enter your Online Banking password and confirm.

That's it, your Direct Debit will be set up and you will you be told when the first payment will be taken.  

Sign in to set up a Direct Debit

Register for Online Banking

When your Direct Debit is in place, it will show on your statement and your online account. Until then, continue to make payments using one of the other methods. You can change the way you pay your Direct Debit at any time.

Other ways to set up a Direct Debit

Call us on 0345 944 4555 7am-11pm, 7 days a week. You’ll need your 16-digit credit card number if you call us. 

Or, you can set up a Direct Debit in branch. Find a branch.

Pay using Online Banking

From your bank account summary, look for the ‘Pay credit card’ option.

When will the payment reach my credit card?

Bank account payments should reach your Halifax credit card account within 2 hours. This will update your available credit. But please allow at least 1 working day for your list of recent transactions to update.

Sign in to pay your credit card

Register for Online Banking

Sign in to pay your credit card bill

Sign in to pay 

Register for Online Banking

Pay over the phone

Call us on 0345 944 4555. You can speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number and your debit card details. 

Pay in a branch

You can make payments by cash or cheque in branch. Just remember to bring your credit card with you. Find a branch.

At a Halifax branch, you can also deposit a cheque using a Cash Machine. Simply insert your card and PIN as usual, look for the option to deposit a cheque and follow the on-screen instructions. 

Pay by posting a cheque

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 and remember 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

If you’re posting a cheque, please allow at least 7 working days for it to arrive with us and reach your Halifax 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.

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.