How to make a payment to your credit card

Here you can learn how to make a payment to your Co-operative Bank or smile credit card in online banking.

To make the most of these guides, you could open online banking in a new tab in your browser, and refer back to this page while completing the task.

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Need more help with transferring money?

If you want to find out more about transferring money, such as how long it takes, or information about payment limits, our money transfer guide could help.

Explore our money transfer guide

Text guide: how to make a payment to your credit card

In this step-by-step guide, we’ll explain how you can use online banking to easily make a payment to your credit card.

Before you begin

You’ll need to have to hand:

  • The amount you wish to pay.
  • The date you wish to make the payment.

To begin, choose which account you want the standing order to come from

  1. Log in to online banking using your login details.
  2. Select ‘Pay and transfer’ from the menu on the left.
  3. Select ‘Make a payment to your credit card’.

Then, decide how much of your credit card balance you wish to pay and when

  1. Choose the account you want to pay from under’ From’.
  2. Choose the credit card you want to transfer to under ‘To’.
  3. Select whether you want to pay the minimum amount, the full amount or another amount (and enter the other amount if so).
  4. If you want to make the payment later, select the ‘Pay at a later date’ tick box and select the date you’d like to make the payment.
  5. Click ‘Continue’.

Next, confirm the details of the payment

  1. You’ll then be taken to the ‘Confirm details’ page. Here, you can check that you’ve entered the correct information.
  2. Click ‘Confirm and pay’. If successful, you’ll see a screen stating ‘Payment request sent’.

Please note, it can take up to 2 business days for the money to reach your account.

If you want to set up a Direct Debit to your credit card

If you’d like to automatically make payments to your credit card each month, you can complete our form to set up a Direct Debit. You can choose whether you want to make the minimum payment or to make a full payment with the direct debit.

Set up a direct debit to your credit card

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How to make a payment to someone you’ve paid before

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How to create a standing order

Find out how to create a standing order in online banking.

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