How do I pay my smile credit card?
When making a payment online, by phone or post please use the details below:
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Sort code: 089098
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Account Number: 97491004
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Reference: Your 16 digit credit card number
Online
- Log in to online banking
- Select the account you want to pay your bill from
- Select Pay & Transfers
- Enter the payment details by following the on screen instructions
Mobile app
- Log in to your mobile app
- Select Pay & Transfer
- Select the account you want to make the payment from
- Select Make a payment to your credit card
- Choose the credit card you want to pay
- Select from the payment options displayed and press Continue
Direct Debit
Download and complete our credit card Direct Debit mandate form (PDF).
Post your completed form to us at:
smile
Freepost NWW2330A
P.O. Box 600
Delf House
Skelmersdale
Lancashire
WN8 6GF
You can also request a form in your local branch.
Alternatively, call us on 0345 600 6000 (call charges apply). Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday.
Frequently asked questions
What Direct Debit options are available?
- Minimum payment, which is either 2%, 1% plus interest fees and charges or £5 whichever is greater.
- Full payment of the statement balance.
- Fixed payment, with a minimum amount of £5.
- Fixed percentage payment, which can be between 2% - 99% as a whole number.
What happens if I amend my Direct Debit close to my payment date?
The changes will take effect from the next statement cycle.
How do I cancel my Direct Debit?
If you have the Direct Debit set up on your Co-operative Bank current account, you are able to cancel the Direct Debit through online banking or the mobile app. Alternatively, you can do this over the phone, by sending a secure message through online banking or by visiting a branch.
If you don’t bank with us, please contact your bank to cancel your Direct Debit or contact us to cancel it for you. Please consider that if you cancel your Direct Debit close to the due date, we may not be able to cancel this for the current payment.
What happens if your Direct Debit becomes dormant?
Direct Debit payments will be taken only when a balance is owing on your credit card account.
If you don’t use your credit card and no Direct Debit is taken for 12 months, then your Direct Debit may be cancelled by your bank. This can also happen when you pay your credit card using another payment type.
Once the Direct Debit mandate has been cancelled, you will have to set up a new Direct Debit mandate if you wish to pay your credit card in this way again. Until you do this, you will need to ensure that you pay your credit card bill in another way to avoid falling behind with your payments.
What date does the Direct Debit claim?
The Direct Debit will claim on the full payment date (25 days from the statement date) regardless of what option you have chosen.
Can I make additional payments by another method?
You can make additional payments in other ways. For example, a bill payment or by cheque. You can do this even if you have a Direct Debit set up.
How will I know when my Direct Debit is set up?
You will receive a confirmation letter, which includes the payment option you have chosen and the Bank account details you have set this up with us.
How will I know what my payment amount is?
The amount of the payment will be printed on your credit card statement each month. This can be found through online banking, paper statements (if you haven’t opted into paperless) or the mobile app. You can also contact the Bank for your payment amount.
What happens if the Direct Debit amount is lower than my minimum payment?
If the set amount is less that the minimum payment due, we’ll take the minimum payment.
What happens if the Direct Debit amount is higher than the full statement balance?
If the set amount is more than the full payment due, we’ll take the full payment displayed on your statement.
Branch
Visit your local branch at least two business days before the payment is due.
Post
Make sure you post your cheque at least seven business days before your payment is due.
- Make cheques payable to The Co-operative Bank plc, followed by your 16 digit credit card number.
- Send the cheque with a completed paying in slip from the bottom of your statement to this address:
The Co-operative Bank p.l.c.
PO Box 12672
Harlow
CM20 9QR
Please allow enough time for your payment to reach your credit card account, as late charges may apply. If you are paying your credit card from a Co-operative Bank or smile account, please allow two business days for your payment to be processed.