What is a Direct Debit?

A Direct Debit is an easy and convenient way to make payments. Many companies use them to take regular and occasional payments from your bank account for bills and memberships. You can also have variable Direct Debits to pay for things like energy bills, which may change from month to month. The company will let you know in advance when they're due to collect your Direct Debit. 

Direct Debits and standing orders are both types of automatic payments but they’re quite different from each other. 

  • A Direct Debit is when you give a company permission to take money from your account on an agreed date.
  • A standing order is when you set up fixed, regular payments with your bank to pay friends, relatives or even your rent.

Direct Debits are also different to recurring card payments. Where Direct Debits are set up using your sort code and account number, recurring card payments are set up using your card number and are often used for online streaming services and subscriptions. 

How is a Direct Debit set up?

A Direct Debit is set up by a company once you give them permission to collect payments from your bank account to pay a bill. You have to contact these companies to set up Direct Debits yourself as we can’t do this for you.

When agreeing to pay a company by Direct Debit, they may ask you to fill out a form to confirm that you’re happy with the payments being taken. They’ll also ask for your sort code and account number, which can be found on your card, statement, or in Online Banking

The company may also ask for our address, which is:
Santander UK plc
9 Nelson Street
Bradford
BD1 5AN

If you’re looking to send regular payments to a relative, friend or landlord, you can set up a standing order.  

Changing Direct Debit payments to your Santander credit card

You can easily set up or change the Direct Debit payments to your Santander credit card online.   

  1.  Log on to Online Banking
  2.  Click the ‘Credit cards’ tab in the top menu
  3.  Click ‘Set up/amend Direct Debit’ on the left-hand side
  4.  Choose the amount you want to repay each month (full payment, minimum payment or fixed payment)
  5.  Add the sort code and account number of the current account you want to take payments from (this can be a non-Santander account)

Read our credit card repayments page for more information. 

The easiest way to cancel a Direct Debit is within Mobile or Online Banking. Please make sure that you cancel the Direct Debit by 8pm on the working day before the payment is due to be taken from your account. Otherwise, you run the risk of the Direct Debit being taken from your account. 

You’ll also need to contact the company and cancel the Direct Debit with them. 

If you’re struggling to pay a Direct Debit, speaking with the company can also help as they may be able to organise a payment plan for you. If you feel concerned about making a payment, please read our money worries page.

If you’re using Mobile or Online Banking to cancel a Direct Debit for a Santander product like a credit card, you don’t need to get in touch with us. However, if you’re cancelling the Direct Debit with us because you’re experiencing financial difficulties, please contact us to find out how we can help. 

 

Mobile Banking

An easy way for you to cancel a Direct Debit is with Mobile Banking. Simply log on and follow these steps.

1

Choose your account with the Direct Debit
 

Santander Mobile Banking home screen

2

Tap the 3 dots in the top-right corner and click ‘Manage Direct Debits’

Santander Mobile Banking current account more options

3

Choose the Direct Debit you want to cancel and follow the steps

Santander Mobile Banking current account Direct Debits

If you need more detailed step-by-step instructions on how to cancel a Direct Debit through Mobile Banking, take a look at our mobile demo

If you’re already using Online Banking, download our mobile banking app for your phone or device. Then you can log on with the same details you use for Online Banking and you’re ready to go.

You can download our app on your smartphone or device from the iOS App Store or the Google Play Store. Just click on one of the logos below to get started. We don’t ever recommend downloading apps from other third-party sites.

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If you haven’t signed up for Online and Mobile Banking yet, you can get started today. 

Can’t log on to your account? Visit our trouble logging on page for help and tips.

 

Online Banking

Cancelling a Direct Debit

  1.  Log on to Online Banking
  2.  Click the ‘Direct Debits' tab at the top of the page.
  3.  Click the ‘Actions’ column.
  4.  Choose ‘Take me to’ in the drop-down menu.
  5.  Choose ‘Cancel’ and click ‘Confirm’.

Can’t find your Direct Debit?

If you used your card to set up regular payments with a company (often done for online streaming services), then this type of payment is different to a Direct Debit. For more information, please read our recurring card transactions page. 

To see if a payment taken out of your account was a Direct Debit, you can view the details of the transaction in your statement. The payment will appear with a transaction description of ‘DIRECT DEBIT PAYMENT’. To view transaction descriptions in the app, simply click on the transaction for more information. 

Don’t have Online Banking? Get started online

If you have any other questions or concerns, please contact us

If you know the company you set up the Direct Debit with, you can often get a refund directly from them.

When can you ask for a refund? 

You may be able to get a refund through us if a Direct Debit was paid in error. This could be an incorrect amount, or a payment taken on the wrong date. If an error hasn’t been made, you may have to pay back the amount refunded to the company or to us.  

You won’t be able to claim a refund if:

  • You paid on your debit card 
  • You’re in dispute with the company 
  • You forgot to cancel the Direct Debit
  • You haven’t received the goods and/or services
  • You’ve returned the goods and/or services

The easiest way to see if you can claim a refund and raise an indemnity is to log on to your Online or Mobile Banking. Simply log on, click the ‘Chat with us’ tab on the right-hand side of the screen, type ‘Direct Debit indemnity’ into chat and we’ll be able to help you.

Don’t have online banking? Get started online

Alternatively, you can contact us

To reinstate a cancelled or expired Direct Debit, you can get in touch with the company to set the payment back up. 

If you’re setting up a Direct Debit for a Santander credit card, you can do this in Online or Mobile Banking 

Alternatively, if you’re having any issues re-instating your direct debit, please contact us

To amend a Direct Debit, you’ll need to contact the company so they can do this for you.

If you’d like to amend the Direct Debit payments to your Santander credit card, you can do this easily online:

  1.  Log on to Online Banking
  2.  Click the ‘Credit cards’ tab in the top menu
  3.  Click ‘Set up/amend Direct Debit’ on the left-hand side
  4.  Choose the amount you want to repay each month (full payment, minimum payment or fixed payment)
  5.  Add the sort code and account number of the current account you want to take payments from (this can be a non-Santander account)

Alternatively, you can contact us

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