How to set up a Direct Debit

Paying your regular bills – such as your electricity, mobile phone, and buildings insurance – by Direct Debit will save you time, make life easier and may even be cheaper. Changing to Direct Debit only takes four simple steps.

Step 1 - Contact the organisation you wish to pay

In order to set up a Direct Debit first contact the organisation you wish to pay. They will ask you to complete a Direct Debit Instruction. This may be posted to you, or alternatively, some organisations can set up Direct Debit Instructions over the telephone or via the internet.

Step 2 - Complete the Direct Debit Instruction

You will need to provide the following information to complete your Direct Debit Instruction:

• your name and address
• name and address of your bank or building society
• your bank or building society account number
• the branch sort code of your bank or building society (see your cheque book)
• the name(s) on the account.

Ensure all the details given are correct and (in the case of paper Instructions) return it to the organisation.

The organisation will update their payment records and forward the Instruction onto your bank or building society. The Instruction, to your bank or building society, gives the organisation authority to collect varying agreed amounts from your account on dates agreed with you.

Step 3 - Check the advance notice details

The organisation will give you advance notice of collection dates and amounts before the first collection, whether you set up a Direct Debit by telephone, internet or completing a paper Instruction. Check these details are correct. Should you wish to query any of the details contact the organisation straight away.

Step 4 - Relax

Other than making sure you have sufficient funds in your account when payment is due there is nothing further for you to do. However, it is a good idea to check your bank statement regularly to ensure all your Direct Debits are going out as agreed.