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Unpacking the impact of early Debit Orders in December
New Contributor

The festive season brings with it many changes to our regular routines. To accommodate the holiday season, many employers choose to pay their employees earlier than usual, while others are also pay bonuses at this time of the year, impacting regular monthly budgets. During this time, it’s easy for one to get caught up in the spirit of the season, causing us to overspend and risking our regular debit order payments later in the month. In order to make it easier and more convenient for you over this period, we may adjust debit orders to run earlier than usual, on select loan accounts this December. This will impact some customers who have given the bank authority for a flexible debit mandate, which means your monthly debit order date or amount may change. This service is particularly, useful when you receive your salary on irregular dates and want to avoid failed debits and the associated penalties.


This service applies to select loan accounts including;

  • Access Loan
  • Revolving Credit Plan (RCP)
  • Advance Account
  • Student Loan
  • Vehicle and Asset Finance
  • Home Loan and
  • Card debit orders


In the event that you do not have any money in the account on the new date (i.e. your salary has not yet been deposited), your debit order will continue to be processed as per the usual debit order date and the normal debit order processes will apply.

Provided the debit order is successfully paid on the usual date, NO unpaid debit order fee will apply for non-payments. January debit orders will resume as per the normal debit order date.


Should you have any queries, please see our FAQs here or call us on 0860 123 001