How to pay your Vanquis Credit Card
Here’s how easy it is to make a payment.
Most people find that Direct Debit is the simplest way to pay their credit card, as the amount is automatically taken from their chosen bank account each month. But if one-off payments suit you better, head to the Vanquis app and use Pay by Bank – it’s fast, easy and secure.
Remember, if you can afford to pay more than the minimum monthly payment amount, your balance will go down quicker and you’ll pay less interest.
Direct Debit
Set it up in the Vanquis app. Ideal for automatic payments.
With a Direct Debit, you pay your credit card automatically from your bank account each month. This can be the:
- full balance
- minimum payment
- a fixed amount or percentage of the statement balance
If you choose a fixed amount, the Direct Debit amount will automatically adjust if it isn’t enough to cover at least the minimum payment.
The easiest way to set up a Direct Debit is in the Vanquis app. Download the app here if you haven’t already. You can also arrange a Direct Debit through Online Banking or by giving us a call on 0330 099 3000*.
Pay by bank
Through the Vanquis app – perfect for one-off payments.
The fast, easy and secure way to make payments to your credit card using the Vanquis app. Just tap ‘Payments’, ‘Make a one-off payment’, then ‘Pay by Bank’. It’s as simple as that.
You can also see your updated available credit instantly.
Download the app here if you haven’t already.
If you miss a payment
We know that life doesn’t always go to plan, and sometimes you might miss a payment. If that happens, it’s important to make it as soon as you can after the due date.
Late or missed payments could damage your credit file but setting up an automatic instruction like a Direct Debit or standing order can help make sure you never miss a payment. And remember, you can do all this in the Vanquis app.
If you’re feeling worried about money or keeping up with payments, you’re not alone. We’re here with support options and a list of organisations that may be able to help. Money Worries.
Other ways to pay
Debit card
You can use this for one-off payments.
Through our app – go straight to your Vanquis app or download it here if you haven’t already. Then, choose ‘Payments’ and ‘Make a payment’. Follow the simple steps to complete your payment.
Through Online Banking – log in then click ‘Payments’ or ‘Make a Payment’ on the account summary page.
By phone – call our automated phone line on 0330 099 3000* to make a payment. This service is available 24/7.
If you pay with a debit card, your balance will update within 2 working days.
Bank transfer
You can use this for automatic payments or one-off payments.
How to set up automatic payments:
You can arrange a standing order to make regular payments to your credit card. Here are the details you’ll need:
- Our sort code: 60-95-94
- Our bank account number: 00000001
- A reference - please use your Vanquis 16-digit card number (no spaces or dashes)
How to make a one-off payment
To do a one-off bank transfer to your credit card, please use the info above.
Most banks offer the Faster Payments service. This means we’ll usually receive the money within 2 hours. We’ll then use the reference number to allocate the payment to your credit card.
It takes around 2 working days for the payment to show up on your account. But we’ll backdate it to the day you sent it to us.
Pay by cash or postal order
In person
Use your pre-printed giro (it’s at the bottom of your monthly statement) to pay in-person at your bank or local Post Office. Please make postal orders payable to ‘Vanquis Bank’, followed by your 16-digit Vanquis Credit Card number. On the back, you’ll need to write your name and the same card number.
Once we’ve received the payment, it can take up to 7 working days to hit your account. But sometimes it’s as long as 20 days (in total) before these types of payments have cleared. This includes the time it takes to reach us and our processing time. As a result, it’s worth looking at other ways to pay so you avoid late payment fees.
Just so you know, some banks and Post Offices charge a handling fee.
By post
We can’t accept cash this way. But if you’d like to send us a postal order, pop it in one of our prepaid envelopes with your pre-printed giro. The giro can be found at the bottom of your monthly statement.
Postal orders need to be made payable to ‘Vanquis Bank’, followed by your 16-digit Vanquis Credit Card number. On the back, simply write your name and the same card number.
Please allow 7 working days for the payment to hit your account. But it can take as long as 20 days (in total) before this type of payment has cleared. This includes the time it takes to reach us and our processing time.
*Call charge information
Network charges may apply. Calls to 01 and 03 numbers from UK landlines and mobiles are normally included in free plan minutes if available; otherwise calls to 03 numbers cost the same as calls to 01/02 prefix numbers. Calls to 0800 or 0808 numbers are free from mobiles and landlines..