Direct Debits

A Direct Debit is set up by a company to collect money from your current account on a regular basis. To create the Direct Debit, you’ll physically or digitally sign a form or mandate giving permission for an amount to be taken from your account. This could be for telephone and electricity bills, TV licensing and subscriptions, and even credit card bills. The amount taken from your account can change but you must be notified in advance if the amount leaving your account will change. Direct Debits are covered by the Direct Debit guarantee.

A standing order is set up by you to send a fixed amount to another bank account on a regular basis. This could be to another one of your own accounts, for example, to move money into a savings account, or to another individual’s or company’s bank account as a regular payment. As you set it up, you can amend or cancel the standing order at any time.

You can view Direct Debits within your Mobile Banking app:

To view:

1. Log on to your Mobile Banking app
2. Select ‘Transfer’ at the bottom of the screen
3. Click ‘Direct Debits’ which is under ‘Payment agreements’ at the bottom of the screen
4. Your Direct Debit agreements will be listed on the next screen
5. You can also view deleted agreements by pressing ‘deleted’

You can also view Direct Debits on your eBanking.

To view:

1. Log on to eBanking using your computer
2. Select ‘Pay and Transfer’
3. Click ‘Regular Transfers – ‘View, create or edit Standing order / View Direct Debit’
4. Select the account the Direct Debit is set up on and the list of Direct Debits will appear.

Firstly, we recommend that you tell your Direct Debit provider that you would like to stop making payments this way.

You can cancel a Direct Debit on Mobile Banking, eBanking, over the phone or by calling into a local branch.

To cancel on the app:

1. Log on to your Mobile Banking app
2. Select ‘Transfer’ at the bottom of the screen
3. Click ‘Direct Debits’ which is under ‘Payment agreements’ at the bottom of the screen
4. Select the Direct Debit you wish to cancel and press ‘Delete agreement’ at the bottom of the screen
5. Enter your 4-digit Passcode to confirm

Note: When you have an active direct debit with a particular company or organisation and have previously deleted a direct debit with the same company or organisation, the deleted one will not appear in the 'Deleted' section of the app. This is to ensure clarity and avoid confusion with your current active direct debit.

To cancel via eBanking:

1. Log on to eBanking
2. Select ‘Pay and Transfer’
3. Click ‘Regular Transfers – ‘View, create or edit Standing order / View Direct Debit’
4. Select the account the Direct Debit is set up on
5. Select ‘Details’ (on the left of the Direct Debit you’d like to cancel)
6. Click ‘Delete’ and enter your passcode to confirm.

To cancel over the phone:

Call us on 028 9004 9221 and have details of your account number and Direct Debit that you wish to cancel at hand.

A Direct Debit should be cancelled before 5pm on the business day (Monday – Friday) before it is due, otherwise the payment may still leave your account.

If we are asked to pay a Direct Debit or standing order from your account and you do not have enough money in your account to cover the payment, we will charge a returned item fee of £1.50 for each Direct Debit refused, up to a total charge of £4.50 per month.

We will not charge a returned item fee if the shortfall in your account would have been £5 or less. Returned item fees do not apply where you have a Danske Discovery account.

On the day a Direct Debit payment is due, we’ll allow you until 3:30pm to pay cleared funds into your account.

Direct Debits cannot be amended online. If you need to change a Direct Debit you must contact the company or organisation who set up the Direct Debit.

If you need to change the date a direct debit is taken from your account you must contact the company or organisation who set up the Direct Debit.

If you cancel a Direct Debit in error you should get in touch with the company or organisation who set up the Direct Debit to have it reinstated.

If you make a payment by Direct Debit then you will be protected by the Direct Debit Guarantee Scheme. This protects you if a Direct Debit which you have not authorised is taken from the account. For example, if too much is taken, it is taken too early, it is taken after you have cancelled the Direct Debit or if you have not been given enough notice of a change to a Direct Debit.

If a Direct Debit is wrongly taken from your account, contact our Customer Support team on 028 9004 9221 and we will refund the payment into your bank account.