Direct Debit

All about Direct Debits

Life's busy and it can be hard remembering when bills need to be paid, so make payments hassle free with a Direct Debit. Payments are automatically taken from your account on a regular basis so you don't have to remember.

What is a Direct Debit?

What is a Direct Debit? 

When you set up a Direct Debit, you are making an agreement between you and a company you want to pay on a regular basis. The agreement you make authorises the company to collect varying amounts from your account on a regular basis. Because you’re covered by the Direct Debit guarantee, the company should always tell you what these amounts are - and when they’ll be collected. For more information read our Guide to payments and transfers.

What is it used for? Typically it’s used to pay credit cards, utility bills and subscriptions.

Set up a Direct Debit

3 easy steps to setting up a Direct Debit

1. Contact the company

You will be asked to complete either online, over the phone or by hand a Direct Debit instruction form, which will become your agreement. At this stage a collection date, frequency and payment amount is agreed.

2. Give them your details

The company will need:

3. Start paying

The company will contact us on your behalf and request for a Direct Debit to be set up on your account. Once your Direct Debit has been set up: 

  • The company is responsible for keeping you up to date with payment changes. 
  • You are responsible for letting the company know you want to cancel or make changes to the Direct Debit.

Please note: Esbank can't make changes to your Direct Debit because you have an agreement with you and the company you're paying. You will need to contact them to cancel your Direct Debit or make any changes.

Cancel a Direct Debit

Cancel a Direct Debit

Direct Debits can be cancelled any time online, over the phone or in branch but it's always a good idea to notify the company you have the agreement with before you do this.

Before you cancel 

Consider if you really need to cancel. If you're unsure what your payment is for or you're having difficulty paying you could contact the company for information or help.

If you cancel your Direct Debit with Esbank, no further payments will be made to the company. And, although the payment can be re-instated on your account within 2 months of cancellation, this will not re-activate it. This can only be done by asking the company to re-authorise the payment.

You may also need to consider

Our cancellation deadline - Cancellation requests must be received by 4pm, the day before the payment is due (Monday-Saturday). For example: A Direct Debit due on Monday needs to be cancelled by 4pm on Saturday.

Accounts that are being switched - If you're in the process of having your account switched to another bank or building society, there's no need to cancel. Your new provider will transfer your Direct Debits to your new account. 

Multiple direct debits - Before you cancel your Direct Debit, check that it doesn't cover more than one service. For example, insurance policies are often bought as a bundle and you may cancel the wrong Direct Debit.

How to cancel a Direct Debit online


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Cancel a direct debit online

Step by step guide

  1. Log in to the Internet Bank
  2. Find 'Manage payees'
  3. Choose your account and select go
  4. In the view menu, under your account number, select 'Direct Debits'
  5. Find and select the payee
  6. Confirm your cancellation

The payee details are updated the next time you log in.

Switching your current account or upgrading?

Switching your current account or upgrading?

There's no need to cancel any Direct Debits or regular payments because we'll transfer them all for you, saving you time and hassle.

Do you have sufficient funds to make a payment?

Make sure you have sufficient cleared funds in your account to make a payment

When you ask us to make Direct Debits, standing orders and bill payments on a future date, we attempt to make these payments in the morning.

Retry of failed payments

If there are insufficient funds in your account to make the payment we will try to make the payment again on the same day at 2:30pm. This is to provide you with additional time to get cleared funds into your account. You can do this by paying cash into your account at a Esbank branch, making a Faster Payment or a quick transfer online from another Esbank account. To find out when a cheque you are paying into your account will clear, please use our cheque processing calculator.

If funds are not available when we attempt the retry, customers will still only receive 1 unpaid transaction fee.

Regular payment

Recurring payment