Direct Debit is an agreement between yourself and your bank/building society, which authorises the bank/building society to allow an organisation to collect a regular or irregular payment from your account.
 
Direct Debit enables you to actually take more control of your finances by helping you to spread the cost of many regular bills and save time.
 
With Direct Debit you can rest assured that, irrespective of external influences such as postal issues or cheques being mislaid, your payments will be made on time, every time, ensuring you don't get penalised for late or missed payments.
 
Direct Debit enables you to monitor and control exactly what will go out of your account each month and when, and you know what is left in your account to spend after the bills are all paid.
 
If you have any more question regarding paying by direct debit then please check out the frequently asked questions below.


Direct Debit is a reliable and trusted method that enables you to make regular and occasional payments from your bank account, helping you to conveniently manage your payments.

Direct Debit is an agreement between yourself and your bank/building society, which authorises the bank/building society to allow an organisation to collect a regular or irregular payment from your account.

Bacs is a not for profit, industry body, owned by 15 of the leading banks and building societies in the UK and Europe.

It is responsible for the schemes behind the clearing and settlement of automated payments in the UK and maintaining the integrity of payment related services. One of Bacs' principal electronic payment schemes is Direct Debit.

When signing up for a Direct Debit you are making an agreement with the company for the collection of a pre-agreed payment amount on a specific date from your bank or building society.

A Direct Debit Instruction is then sent to your bank or building society, which authorises them to allow the company you are paying to collect payment.

It is a safe and secure way to pay bills and allows you to instruct and stipulate when regular payments will be made.

Direct Debit can help save you money by offering discounts that can reduce the cost of many monthly bills.

Direct Debit can help you save time and gives you peace of mind. Payments are made automatically, so bills are never forgotten or lost in the post and there's no risk of late payment charges.

All Direct Debit instructions are protected by the Direct Debit Guarantee, a consumer safeguard which is provided by all banks and building societies that operate under the Bacs Direct Debit scheme.

If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.

If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to.

No. If the amount, date or frequency of your Direct Debit changes, the organisation collecting the payment must give you advance notice, normally 10 working days, prior to collecting the payment from your account.

If, however, there is an error and a Direct Debit payment is taken for too much, or the payment is taken on the wrong date, you are entitled to an immediate refund of the amount debited from your bank under the Direct Debit Guarantee. To claim a refund you should liaise directly with your bank/building society.