A Continuous Payment Authority (CPA), also known as a recurring or future-dated payment, is a payment arrangement where you provide a merchant with your debit or credit card details to take regular payments from your account. These payments will continue until you cancel the agreement directly with them. If your card expires or is replaced due to damage, we will automatically provide the merchant with your new card details, ensuring payments continue without interruption. You can choose to opt out of automatic updates for CPAs. To do so, please contact us on 0345 600 2882. Please note:

• Opting out will apply to all cards you hold with us.
• Once opted out, you’ll need to provide your new card details yourself to any merchant you have CPA agreements with.
• Opting back in will only take effect when a replacement or renewed card is issued, and automatic updates will resume from that point.

If your card is replaced due to loss, theft, or fraudulent activity, automatic updates will not apply. In this case, you will need to contact the merchant directly and provide your new card details to ensure payments continue.

CPAs are commonly used for services such as insurance policies, breakdown cover, online streaming, memberships, and subscriptions. If you sign up for a free trial, it may automatically convert into a paid subscription. To avoid unexpected charges, always read the terms and conditions carefully and cancel the agreement before the free trial ends if you do not wish to continue.

Please note that opting out of automatic updates does not cancel any existing agreements. For more information on stopping a payment, please refer to the section ‘How do I stop this type of payment?'

This type of payment can be set up online, in person or over the phone by giving a merchant your card details. The date and amount of the payments can change from month to month, this will depend on what you agree with the merchant.

You should contact the merchant and ask them to cancel your agreement. They should confirm the cancellation and tell you the date this will take effect from.

If you can’t cancel your agreement directly with the merchant, you can contact us by phone or send a secure message via eBanking or mobile banking app, and we will try to stop the payments for you. You need to tell us to do this at least one business day before a payment is due to come out of your account.

If you cancelled an agreement or subscription with a merchant but the payments continue to come out of your account, you should contact us by phone or send a secure message via eBanking or mobile banking app. We will investigate and raise a dispute on your behalf if necessary.