Making your monthly payment in time

If you’re paying by a method other than Direct Debit, however you send your payment, it must reach us before the end of January.

The last day of January is a Saturday. Please check the deadlines for sending your payment below. If you don’t send your payment before the relevant deadline, it won’t be applied to your account until February. That means your account could fall into arrears and your credit file may be affected.

When you’ll need to pay

Online bank transfer

Payments by bank transfer are only applied to your account from Monday to Friday, and payments received after 3.45pm won’t be added to your account until the next working day. Bank transfer payments aren’t applied to your account at the weekend.

Please ensure that you complete your transfer before 1.45pm on Friday, January 30. This should allow sufficient time for your payment to reach us by 3.45pm. If we don’t receive the payment by 3:45pm, it won’t be applied to your account until Monday 2 February, and your account could fall into arrears.

Using Self-Serve

If you use Self-Serve to pay by debit card you’ll need to make your payment before 5pm on Saturday January 31, or it won’t be applied to your account until the following day, and your account could fall into arrears. Payments made after 9pm on weekdays or after 5pm on Saturday or Sunday will be applied to your account the following day. There are more details on how to use Self-Serve below.

Calling us 

If you call us to pay by debit card, you’ll be able to use our automated payment service to make a payment until 5pm on Saturday , January 31. However, if you need to speak to an agent to make your payment, you must call before 1pm, but our lines can be busy, so we recommend you call earlier.

You can find out more about all our payment methods here.