A credit card to help

with student life

We offer several ways to pay back your credit card. The most common is setting up a Direct Debit. We can do this during your application, and payments will be taken out of your current account each month. You can decide whether you pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or Digital Banking.

Use our repayment calculator to see how much faster you can clear your credit card balance if you pay more than the minimum amount.

Things to remember

If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

Late paying

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit might be a good idea – it means you’ll never be late paying again.

We're all human, so if you do miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your agreed limit by more than £12, we’ll charge you a fee of £12. Using our mobile app or digital banking is a really good way to make sure this never happens.

Things to remember

For full details, please see the Summary Box in the Ready to apply section below.

Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. To make a payment, simply touch your device to the card reader, and you’re ready to go.

Learn more about Apple Pay
Learn more about Google Pay

With a telephone number and our mobile banking app, you can also send money securely with Paym.

Remember, all our credit cards are contactless too. It’s a super quick and hassle-free way to pay for items of £45 or less.

What you should know

Apple Pay is available on selected Apple devices.

Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a big purchase, for example plane tickets or a lap top, a credit card could be a good way to help you buy now and spread the cost. 

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.

Setting a daily or monthly budget could help you manage your spending. You can also use the app to lock certain transaction types. If you accidentally go over budget, we’ll send you a notification as a wee reminder. Managing your card is simple too - you can set up a direct debit, check or pay off your balance, adjust your credit limit and much more.

You can get your credit score for free in the app, so it's easier to plan ahead. You can find it within your Profile and check it as many times as you like without it affecting your credit score. Credit score is available once opted in through the app, to customers aged 18+ with a UK address, and is provided by TransUnion.

Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.

If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.