Recommending you a Direct Debit

Keeping your payments in check is important. So you don’t end up building up a negative balance. If we think that could happen we’ll give you a heads-up.

How we can help you stay on track

We’ll recommend you a new Direct Debit amount – you’ll see this on your bill every month and every time you log into your account. So you can either increase it or make a top-up payment, to get back on track quickly.

Of course, you can always set your payment amount higher than our recommended amount. This is a good move if you have a big negative balance and want to clear it faster.

Top tip! You’ll earn 3-5% interest on any positive balance*. So it pays to keep your account nice and healthy.

What’s the difference between a Direct Debit check-in and a Direct Debit recommendation? They both protect you from paying a lump sum at the end of your year with us. But here’s what sets them apart:

Direct Debit check-ins

  • We run the first one 3 months after you join us – and every 6 months after that

  • If we notice you’re on course to build up a negative balance, we’ll ask you to increase your payments

  • If we don’t hear back, we’ll do it for you (always with 10 days’ notice)

Direct Debit recommendations

  • You’ll see this on your bill every month and every time you log into your account

  • We’ll make them every time we see you’re paying a bit more or less than what you’re using

  • We’ll calculate how much you should change your payments to bring your costs back on track

  • This helps you stay on top of your bills month after month, but changing them is your call

Handy links

What’s a Direct Debit check-in

How to change your Direct Debit

Terms and conditions

*Interest Rewards are paid on credit balances of customers paying by monthly Direct Debit. It is calculated at 3% in your first year, 4% in your second year and 5% in your third year (and every year thereafter) if you pay by Direct Debit. Interest Rewards are paid monthly based on the number of days you’re in credit and the amount left in your account after you’ve paid your bill. Full terms apply.

Use our Direct Debit calculator