Debit and cash cards

Credit cards

What is a credit card?

A credit card is an account that gives you an agreed amount of credit. You can use it to pay for goods and services online, in shops or over the phone and make withdrawals (there is a charge for this service).

What is it used for? Typically credit cards are used for short term borrowing because, over a longer period, they’re generally more expensive. 

You must be at least 18 years old to apply for a credit card.

How to pay your credit card bill

Payments from your Nationwide current account

Paying your credit card from your current account

You can pay your credit card bill from your current account in the following ways:

Internet Banking, Telephone Banking and the Banking app

You will need to set up a single or regular payment to pay your credit card online.

Debit card

To make a payment using your Nationwide debit card, call us on 0800 055 66 11. Our opening hours are:

Monday to Friday 8am - 10pm
Saturday 8am - 8pm
Sunday 9am - 5pm

Payments received before 5pm are usually credited the next working day (Saturday, Sunday and Bank Holidays are not working days). Payments received after 5pm will take longer.

By cheque

It takes us 7-10 days to process your cheque once we’ve received it, so please bear this in mind when using this method of payment.

Pay with a Direct Debit 

To pay by Direct Debit call us on 0800 055 66 11.

You have 3 payment options:

1. If you choose to pay the minimum amount, the minimum payment due will be taken. 

2. If you choose to pay your total account balance, the outstanding account balance when your statement was produced will be taken. 

3. You can choose to pay a set amount each month. If this set amount is less than the minimum payment due, we will take the minimum payment.

The Direct Debit arrangement is confirmed on your next credit card statement, but please continue to pay by your usual method until you receive this.

You can change between any of the three payment options any time online or by calling us on 0800 055 66 11.

How do I change my payment online?

If you're registered for the Internet Bank you can change your Direct Debit online:


  1. Log in to the Internet Bank
  2. Select your credit card
  3. Choose 'Other account services' from the options in the left hand navigation
  4. Select 'Amend Direct Debit' within Account services
  5. Follow the on-screen instructions

Please note that you might need to make payments manually while we are processing your Direct Debit changes.

Pay from another bank or building society

From another bank or building society

If you'd like to set up a Direct Debit or make a one off payment from your bank or building society, they'll need the following details:

  • sort code: 073012 
  • account number: 00001604, and 
  • your 16 digit credit card number

For all your credit card queries ...

Visa recurring payment

Cheques