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Standing Orders & Direct Debits

If you want to pay a set amount out of your account on a regular basis, you can set up a Standing Order. This can go into any other account, for example, a savings account or someone else's account (for example, to pay rent each month). To set up a standing order, simply fill in a form in a Santander branch telling us who to pay, how often and what the amount is. Please give us seven days to deal with your request. Or, you can use Online Banking to set up a standing order.

To learn more about setting up a standing order using our Online Banking service, please refer to our Transferring Funds page.

Setting up a Direct Debit

To set up a Direct Debit, you need to get a form from the company you want to pay. As long as you have given permission in writing (by signing the form) and the company has been approved by its own bankers, we will arrange for the company to collect the money direct from your account.

Cancelling or changing your standing order and cancelling a Direct Debit

If you need to cancel or change your standing order, you can do so over the phone, through Online Banking or in a branch. You must tell us on the working day before the payment is due to go out of your account. Working day excludes Saturdays, Sundays and English Bank Holidays.

If you need to make regular payments to utility companies for example, to pay gas, electricity or water bills and so on, you can authorise organisations to take money out of your account on a regular basis by Direct Debits. Some organisations offer a discount if you pay by Direct Debit.

You can cancel a Direct Debit via online or telephone banking or in a branch.

Important:  To ensure that a Direct Debit payment is cancelled successfully you should give at least 1 working days notice prior to the payment due date. This must be on the previous working day.

  • For example, if cancelling a Direct Debit payment due to debit your account on a Wednesday, you must do so before 4pm on Tuesday.
  • If cancelling a direct debit payment due to debit your account on a Monday, you must cancel this before 4pm on the previous Friday to ensure that this payment will not debit your account.

Please note - you must also cancel any Direct Debit with the company with whom you have arranged the Direct Debit, to ensure that payments will not debit your account.

The Direct Debit Guarantee

The form you fill in should have a guarantee attached. If there is a mistake with your Direct Debit, you are entitled to a full refund. If the form does not have a guarantee, the payment is known as a recurring transaction and is not protected in the same way as a guaranteed Direct Debit. Also, you may not be asked to sign anything and a transaction may take place without you receiving anything in writing relating to the payment.

Remember: if you hold a 123 Current Account and cancel any of your Direct Debits, the amount of cashback you can earn from your account may reduce. It may also affect your eligibility to receive the 123 Current Account cashback and credit interest benefits. Please refer to the 123 Current Account Specific Conditions for full details.

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