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

  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.

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

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 using your app

  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.

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

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.

Pay at least 2 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).

Find your nearest branch

Paying your credit card by phone

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 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 by Direct Debit

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:

  • Call us on:

+44(0)3457 212 212

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

Paying your credit card by post

Send a cheque and the completed payment slip from the bottom of your statement to this address:

Co-operative Bank p.l.c.

PO Box 222
Unit 550
Metroplex Business Park
Broadway
Salford Quays
Manchester
M50 2UE

Make cheques payable to The Co-operative Bank plc, followed by your credit card number.

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.

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