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Paying your credit card

Summary

With a credit card you decide how much you repay.

The quicker you repay, the less interest you might pay overall.

To avoid unexpected charges and fees, set up a Direct Debit to pay your bill each month.

Ways to pay your credit card

Select an option below to find out how to pay your credit card with us.

To pay for your credit card online you need to:

  1. Log in to online banking.
  2. Select the account you want to pay your bill from.
  3. Select Set up a new payment.
  4. Enter payment details.

Please allow enough time for your payment to reach your credit card account.

If you’re paying from a Co-operative Bank current account, please pay no later than 9pm on the day before the payment is due.

If you’re paying from a current account with another bank, please pay no later than 3.30pm on the day before the payment is due.

We will process your payment on the day we receive it. If making a Faster Payment, it will reach you credit card account within 2 hours on a working day.

Log in to online banking

To pay for your credit card on your app, you need to:

  1. Log in to your app.
  2. Select the account you want to pay your bill from.
  3. Select Pay a bill or send money.
  4. Enter payment details.

Please allow enough time for your payment to reach your credit card account.

If you’re paying from a Co-operative Bank current account, please pay no later than 9pm on the day before the payment is due.

If you’re paying from a current account with another bank, please pay no later than 3.30pm on the day before the payment is due.

We will process your payment on the day we receive it. If making a Faster Payment, it will reach you credit card account within 2 hours on a working day.

You can pop in to any of our branches without an appointment to pay your credit card bill.

Pay at least 2 working days before the day before the payment is due

You are also able to pay in any bank displaying the Visa symbol, although this may be subject to a small fee (although we cannot advise on how long this will take to process).

Find your nearest branch

To pay for your credit card on the phone you need to make sure you have:

  • Your sort code.
  • Your account number.
  • Your card number.

Call us on:

+44(0)3457 212 212

(Call charges)

Please allow enough time for your payment to reach your credit card account.

If you’re paying from a Co-operative Bank current account, please pay no later than 9pm on the day before the payment is due.

If you’re paying from a current account with another bank, please pay no later than 3.30pm on the day before the payment is due.

We will process your payment on the day we receive it. If making a Faster Payment, it will reach you credit card account within 2 hours on a working day.

You can pay your minimum amount or your entire balance each month by Direct Debit.

You can set up a Direct Debit in any of these ways:

You will never forget to pay so you will never get charged for a late fee.

Send a cheque and the completed payment slip from the bottom of your statement to the Visa Customer Services Centre in the envelope provided. Make cheques payable to The Co-operative Bank plc, followed by your credit card number.

If you have misplaced the envelope provided, please post your cheque to:

Payments

CIS Tower

2nd Floor

Miller Street

M60 0AL

Post at least 7 days before payment is due.

Avoiding fees and charges

If you exceed your credit limit or pay your bill late, you will be charged.

The best way to avoid fees and charges is to make sure you pay off your credit card each month:

  • Make sure your payments reach your account on time.
  • Set up a Direct Debit to pay the full balance or minimum amount due every month, then there are no worries about forgetting dates.
  • Keep track of your credit card spending to make sure you don't go over your agreed credit limit.

Contact us

If you'd like more help & information, you can:

Chat to us via live chat

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