Pay by Direct Debit
Paying by Direct Debit is a great way to ensure that you pay your monthly payments on time. You’ll always have peace of mind knowing you’ve made a payment. You can set up a Direct Debit via your Online Services, using the Amex App® or by completing a Direct Debit mandate form.
To set up Direct Debit you will need your bank account/building society sort code and account number. When enrolling for Direct Debit, you must use a UK personal bank account that is held in your name. If you are not the only person authorised to make payments from the account, we will require a Direct Debit mandate form with a signature from any other authorised parties.
When you set up a Direct Debit, you will have an option to select to automatically pay in one of the following ways:
For Charge Cards:
For Credit Cards:
- Pay the minimum due
- Pay the full amount
- Pay a fixed percentage of the balance
Find out more about Card repayment options and a glossary of terms.
Setting up Direct Debit using our Online Services
Setting up Direct Debit using our Online Services is a quick and easy process.
Step 1 – Log in with your existing Online Account details or set up an Online Account.
Step 2 – Go to 'Payments' in the navigation and select 'Direct Debit'.
Step 3 – Complete your bank account/building society details.
Step 4 – Confirm your Direct Debit payment options.
Step 5 – Review your details and confirm.
Setting up Direct Debit using the Amex App
Setting up Direct Debit on the Amex App is quick and allows you to monitor your Account on the go.
Step 1 – Download the Amex App or log in with your existing Online Account details. If you do not have an Online Account you can also set this up in the Amex App once you have downloaded it.
Step 2 – Select ‘Account’.
Step 3 – Click on ‘Direct Debit’.
Step 4 – Click on ‘Set up Direct Debit’.
Step 5 – Select and confirm your payment option.
Step 6 – Complete your bank account/building society details.
Step 7 – Review and confirm your details.
Direct Debit mandate form
You can enrol in to Direct Debit by completing and returning the Direct Debit mandate form to us.
Step 1 – Set up a Direct Debit by downloading and completing a Direct Debit mandate form based on the type of Card you have.
Step 2 – Complete all the fields in the form.
Step 3 – Log in to your Online Services and upload the form to the Document Centre.
Please keep in mind that the Document Centre can only be used for personal Cards at this time. Alternatively, post the completed form to the address provided on the front of the form.
Note: Direct Debit collection timeframes vary, so please ensure you check your statement to find out when your Direct Debit will collect. If you are setting up your Direct Debit online or via the Amex App, you will be advised during the set-up journey when your Direct Debit will begin and when the payment will collect. The more you pay off your Credit Card, or if you pay all of your balance by the due date, you will pay less interest. You can find out what the minimum repayment is for your Credit Card by looking at your Credit Card statement. Direct Debit payments for Charge Cards require the full balance. Once the Direct Debit is set up, you will see it clearly marked on your statement and you will receive a confirmation letter to your billing address. Until this time, please continue to make your payments in the usual way.
If you have a Corporate Account that is settled by the company, you are not able to set up a Direct Debit. If you hold a Charge Card with the Flex Select facility please contact us to set up Direct Debit.