Summary
With a credit card you decide how much you repay (subject to minimum payment).
If you only pay the minimum balance each month, it’ll take longer and cost more to clear your debt. Paying back more than the minimum, without over-stretching yourself financially, means you’ll clear your balance quicker and pay back less interest.
To avoid unexpected charges and fees, set up a Direct Debit to pay your bill each month.
Paying your credit card online
- Log in to online banking
- Click 'Pay and transfer' from the main menu
- Select the account you want to pay your bill from
- Select your credit card from 'Your accounts' list
- Follow the on-screen instructions.
When making a payment online, by phone or post please use the details below;
Sort code: 089098
Account Number: 97491004
Reference: Your 16 digit credit card number
Whilst we work on some improvements, you are currently unable to add a reference when paying another Co-operative Bank or smile account. The sort code of the account you are paying will start with ‘08’ or ‘83’ if this applies. If you need to add a reference to your payment, call us on 03457 212 212 (call charges apply). Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday.
Please allow enough time for your payment to reach your credit card account.
Paying your credit card using our app
- Log in to our app.
- Select the account you want to pay your bill from.
- Select Pay a bill or send money.
- Enter payment details.
When making a payment online, by phone or post please use the details below;
Sort code: 089098
Account Number: 97491004
Reference: Your 16 digit credit card number
Whilst we work on some improvements, you are currently unable to add a reference when paying another Co-operative Bank or smile account. The sort code of the account you are paying will start with ‘08’ or ‘83’ if this applies. If you need to add a reference to your payment, call us on 03457 212 212 (call charges apply). Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday.
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 allow two business days for your payment to be processed.
If you’re paying from a current account with another bank, please pay no later than 3.30pm on the day the payment is due.
We will process your payment on the day we receive it. If making a Faster Payment, it should normally reach your credit card immediately.
Paying your credit card in branch
You can pop in to any of our branches without an appointment to pay your credit card bill. Find your local branch.
Pay at least 3 business 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).
Please allow enough time for your payment to reach your credit card account.
If you are using a Co-operative Bank or smile current account to pay a credit card balance, please allow two working days for your payment to be processed. You can call us on 03457 212 212. Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday. Call charges apply.
If you’re paying from a current account with another bank, please pay no later than 3.30pm on the day the payment is due.
We will process your payment on the day we receive it. If making a Faster Payment, it should normally reach your credit card immediately.
Set up a Direct Debit
Download and complete our credit card Direct Debit mandate form (PDF).
Post your completed form to us at:
The Co-operative Bank
PO Box 4931
Swindon
SN4 4PL
You can also request a form in your local branch.
Alternatively, call us on 0345 600 6000 (call charges apply). Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday.
Direct Debit payments will be taken only when a balance is owing on your credit card account.
If you don’t use your credit card and no Direct Debit is taken for 12 months, then your Direct Debit may be cancelled by your bank. This can also happen when you pay your credit card using another payment type.
Once the Direct Debit mandate has been cancelled, you will have to set up a new Direct Debit mandate if you wish to pay your credit card in this way again. Until you do this, you will need to ensure that you pay your credit card bill in another way to avoid falling behind with your payments.
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 at least the 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.
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