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Make paying bills easier

Direct Debits or Standing Orders

Using regular payments to pay bills like your mobile phone or gas bill can save you time and money. Here’s all you need to know to set up and manage regular payments.

Convenient ways to make regular payments

Direct Debits and Standing Orders are safe, convenient ways to make regular payments. Once they’re set up they happen automatically. They save you having to remember when a bill is due, and the time and trouble of calling into a bank or finding stamps and post boxes.

But what’s the difference between a Standing Order and a Direct Debit? Which should you choose? It really depends on what you are looking to pay.

Direct Debit

A Direct Debit is an agreement between you and the organisation you’re paying, which allows them to take money out of your account at regular intervals. The organisation will set this up and can alter the amount paid (but only after they’ve informed you). This is why Direct Debits can be ideal for paying things like utility bills to gas or electric companies or credit card bills that can vary from month to month.

Standing Order

A Standing Order is also an automatic regular payment but the amount is fixed. You set it up and only you can change it - for example, to change the amount or payment date. Rent or mortgage payments are often paid by standing order. You can also set up a standing order to your savings account if you want to save regularly.

How to set up a Standing Order

Setting up Standing Orders is easy.

Standing Orders can be set up through Digital Banking, telephone banking or in person at your local branch. Information you will need to provide includes:

  • Your account number and sort code
  • The frequency of the payment and the amount
  • When the payments should start
  • The name and account details of where/who you are sending the money to

To set up a standing order in Digital Banking please:

  1. Log into Digital Banking and click on “Payments and transfers” in the top left hand side of the screen.
  2. Under “Regular Payments” select “Create a new standing order” and follow the instructions provided. You will need to use a Card Reader to set up the Standing Order.
  3. Once the Standing Order has been set up you will be able to view the payment details under “Regular Payments” by selecting “Manage standing orders”.

How to cancel a Standing Order

Cancelling regular payments online is easy. Simply follow these steps.

  1. Check that it's at least two working days until the payment due date.
  2. Log into Digital Banking, select “Payments and transfers” and within the “Regular Payments” pod choose “Manage standing orders”. Click on the standing order you require to cancel and select “Cancel Standing Order”. Alternatively you can cancel a standing order via telephone banking, or in person at the branch.
  3. You will receive confirmation the standing order is cancelled.

How to set up a Direct Debit

To set up a Direct Debit, simply contact the organisation you’re paying and give them your bank account details. The organisation will then set up the Direct Debit for you.

How to cancel a Direct Debit

Cancelling regular payments you no longer need is easy. Simply follow these steps.

  1. Check that it’s more than one working day until the payment due date.
  2. Contact the company you are paying to let them know that you want to cancel. This will stop them requesting the payment.
  3. Log into Digital Banking, select “Payments and transfers” and within the “Regular Payments” pod select “Manage Direct Debits” then confirm the direct debit that you require to cancel. This means that if the company still requested the direct debit payment, we would not pay it. Alternatively you can contact us via telephone banking or in person at the branch to confirm that you have cancelled the direct debit with the company.
  4. We will give you confirmation that the Direct Debit is cancelled when you do this via Digital Banking, in person at a branch, or via telephone banking.
  5. In the unlikely event that your Direct Debit is paid in error you will receive a full refund from us on the same day (requests after 4.30pm will be refunded the following morning).

View your Direct Debits and Standing Orders at a glance

If you’re registered for Digital Banking you can manage your Direct Debits and Standing Orders, view them together with the dates each were last paid, amend your Standing Orders and cancel any Direct Debit or Standing Order.

If you’re not registered for Digital Banking yet sign up now and you could be banking online in minutes.

Reviewing your regular payments may show payments that you no longer need or had forgotten about. You could save money by cancelling these payments in a couple of easy steps, once you are sure that these payments are no longer necessary.