Ways to pay your credit card

You can make payments online, by phone, in branch or by post. The choice is yours.

When to make payments

If you want, you can make payments to your credit card account anytime, but always remember to pay at least the minimum amount by the due date shown on your monthly statement. You’ll also see any payment due information in your online account summary.

If you can’t pay the whole statement balance, it’s a good idea to pay as much as possible to keep any interest costs down.

Make payments online

You can make and manage payments easily using Online Banking.

Sign in

Regular payments

A Direct Debit is an instruction from you to a service provider, authorising them to collect payments of variable amounts from your bank or building society account.

Once you’ve set up a Direct Debit, we’ll collect payments automatically when they’re due, so you’ve one less thing to worry about.

  • 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.

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.

If you make additional payments to your account during the month, we may still collect your Direct Debit in full.

  •  

    Pay using our Mobile Banking app

     Simply sign in, then select ‘Pay & transfer'.

    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.

    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

  • There are three ways to pay your Halifax credit card from a different bank or building society.

    1. Using our app to connect with your other provider to set up a payment. This isn’t possible with all banks and building societies yet, but more will be added over time.
    2. Transfer the money.
    3. Entering your debit card details.

    Pay using the app from your account with another bank

    1. Open our app, then select ‘Pay & transfer’.
    2. Choose pay from another bank or building society account.
    3. Enter the amount you’d like to pay.
    4. From the list, select the bank you have an account with and want to pay from.
    5. We’ll briefly hand you over to their website or app to approve the payment.

    When will the payment reach my credit card?

    Your payment 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.

    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).

    Transfer the money using your bank's online service

    You can also make a payment from your bank account in the same way you pay a bill or person. Using either our app or Online Banking. You’ll need these details:

    Account number – 0000 0000 

    Sort code – 77-29-00 

    Remember to include your most recent 16-digit credit card number as the payment reference, just so we know which account to apply your payment to. You’ll find this on your credit card itself, or on your most recent credit card statement. 

    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.

    Pay online with a debit card

    If you’re using our app, simply sign in, then select ‘Pay & transfer'.

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

    When will the payment reach my credit card?

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

    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.

Frequently asked payment questions

  • 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.

Have you tried the Mobile Banking app?

If you’re already registered for Online Banking, you’re just a few steps away from having secure account services at your fingertips wherever you go, using our Mobile Banking app.

About mobile banking

A summary on credit card payments

You can make payments from a bank account, using a debit card, cheque or with cash at a branch.
 

  • You need to make at least the minimum payment each month, by the due date shown on your latest statement.
  • When you set up a Direct Debit payment, we’ll automatically claim payments when they’re due.
  • If you choose to make one-off payments, make sure the method you use gets your payment to us on time.
  • You could change your payment due date to suit your needs, e.g. if you get paid after your credit card payment due date falls.

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We don't charge you to use our services, but your mobile operator might charge for some things (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality. 

To use our Mobile Banking app you need to have a valid phone number registered to your account and be set up to manage your accounts using Online Banking. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn’t work on jailbroken or rooted devices. Terms and conditions apply. 

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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.