The full statement balance. We'll take the outstanding account balance when your statement was produced.
Fixed percentage. You pay a fixed percentage of your balance each month. This can be anything from 2.5% to 99%. We’ll collect at least the minimum payment each month, even if your fixed percentage amount falls below this.
An amount set by you. If this set amount is less than the minimum payment due, we'll take the minimum payment.
You can change the amount you pay or the account you pay from.
If you need to change your due date, you can also do this through Online Banking. From your credit card account summary, select 'More actions'. Then choose 'Paying your credit card', then 'Request payment due date change'.
You can make payments to your credit card account at any time. You do need to pay at least the minimum amount shown on your statement each month.
If you can't pay the whole statement balance, it's a good idea to pay as much as you can. It may help to keep any interest costs down.
If you only make the minimum payment each month, it will take longer and cost you more to pay off your balance.
If you miss a payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due.
You can also make payments in other ways. For example, from a bank account, with a debit card, by cheque or with cash at a branch. You can do this even if you have a Direct Debit set up.
If you choose to make one-off payments, make sure the method you use will get your payment to us on time.
You can ask to change your payment due date to better suit your needs. For example, if you usually receive your salary later than your due date falls. The fastest way to do this is through Online Banking on a computer. From your credit card account summary, select ‘More actions'. Then choose ‘Paying your credit card’ and finally select 'Request payment due date change'.
Manage your profile, money or cards from your sofa with our app or Online Banking. You can even pay in a cheque on your phone!