Setting Up a Direct Debit

Gather Necessary Information

Before you start, you'll need to have the following information:

• Bank details: Your bank account number and sort code.

• Billing details: The company or service you’re setting up the direct debit with (e.g., utility provider, phone service, etc.).

• Amount to be paid: The amount you will be paying, if it’s fixed (e.g., a monthly bill).

• Payment date: When you would like the payment to be taken (e.g., the 1st of every month).

• Reference number: Some companies may give you a reference number that you'll need to include with the payment.

Choose How to Set Up the Direct Debit

You can set up a direct debit in a few ways:

• Online (through your bank's website or app): This is usually the fastest way.

• Phone: Call your bank or the service provider to set it up.

• Paper form: Some companies send you a form to complete and return by mail.

If you prefer using an app or website, you can usually follow on-screen prompts, which can be a good way to set things up at your own pace.

Log in to Your Bank or Provider’s Website/App

• Log in to your bank's online banking system or app.

• Find the direct debit option. This might be under "Payments" or "Manage Bills" or similar.

Alternatively, if you are setting it up through the company you’re paying (e.g., energy provider, phone company), they might have an online form or specific process.

Enter Your Details

• Enter the company details: Name of the company you are setting the direct debit for, and any reference number they give you.

• Enter the payment amount: You may be asked to enter a fixed or variable amount.

• Choose the payment date: Pick the date that the payment should be taken each month or at a regular interval.

If it feels like too much information at once, take it step-by-step. You can also write down the information or use sticky notes if it helps keep things organised.

Review the Information

• Double-check all the details to make sure everything is correct.

• Look out for things like the amount, payment dates, and your bank account details.

• If you need help, it’s okay to ask someone you trust to look over it with you or call your bank’s customer service.

Confirm the Direct Debit

• Confirm the setup by clicking “Set up Direct Debit” or a similar option.

• Your bank might ask you to verify your identity (e.g., using a code sent to your phone or email).

• If you’re doing this over the phone, the customer service representative will walk you through the process and confirm everything.

Get Confirmation

Once the direct debit is set up, you should receive confirmation:

• From the bank: A notification or email saying that the direct debit has been set up successfully.

• From the company: They may send you an email or letter confirming the direct debit details.

If you don't receive confirmation, it's a good idea to contact the bank or provider to check everything is set up correctly.

Keep a Record

• Write down the details or keep a screenshot of the confirmation.

• Keep a note of the next payment date and the amount you will be paying.

• Set a reminder on your phone or calendar to check the payment has gone through, just in case there are any issues.

Monitor Payments

Once your direct debit is set up, monitor your bank account to make sure payments are being taken correctly.

• If the payment doesn't go through or if the amount is incorrect, contact your bank or the service provider.

• If you ever need to cancel or change the direct debit, you can do so by contacting your bank or the company.

Final Thoughts

• Take it slow: If you're feeling overwhelmed, it’s okay to take your time with each step. You can even break it up over multiple days.

• Ask for help: If you struggle with certain steps, don't hesitate to ask a family member, friend, or support worker to assist you.

• Contact your bank: If you're unsure about any part of the process, you can always call your bank’s customer service for help. They are trained to assist with any concerns you might have.

By breaking it down, setting up a direct debit should be a straightforward process. If you need any help or have any questions, don't hesitate to reach out to your bank or the service provider for support.