Here are some questions frequently asked by people running their family finances. More common questions and answers on Direct Debit can be found by clicking on Did you know?
How do I go about setting up a Direct Debit?
You contact the organisation you wish to pay and they will either send you a Direct Debit Instruction which you will have to complete and return, or in some instances you can give your instructions over the telephone or online. The organisation will then forward your instruction onto your bank, authorising the bank to make payments from your account to them. It's that simple.
Will the Direct Debit payment always be on the same day every month?
Normally payments will be made on the same day each month, quarter or annually according to the payment frequency. If any payment due date falls at a weekend or on a bank holiday, the organisation is obliged to debit your account just after that due date, unless they notify you in advance of a change of date.
Who controls Direct Debit payments?
The bank or building society that holds your account is responsible for all aspects of the running of that account. They are therefore answerable for all payments, including those made by Direct Debit.
How can I cancel a Direct Debit?
If you need to cancel a Direct Debit, simply write to your bank or building society. It is also a good idea to send a copy of your letter to the organisation concerned. Your bank or building society can make the cancellation up to and including the due date, but try not to leave it until the last minute or you run the risk of a payment still being made. Remember that cancelling a Direct Debit simply stops paying the organisation. If you carry on receiving the goods or service you will have to organise an alternative payment method.
How does switching bank accounts affect my Direct Debit payments?
Visit our account switching FAQs to learn more.
What is the Direct Debit Guarantee?
- The Guarantee is offered by all banks and building societies that accept instruction to pay Direct Debits.
- If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request
- If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
– If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to - You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation.
How do I get back any money paid in error?
If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment. For full details of your rights see the Direct Debit Guarantee.
