How can I make a payment to my account?
The Vanquis App
Download it today from the App Store or Google Play. Make payments on the move at your convenience whenever and wherever you are.
We’ve partnered with Payit™ to bring you a brilliant way to make payments faster to your Vanquis credit card via our app. Payit™ has been safely and securely developed by NatWest, but the good news is you don’t need to be a NatWest customer to use it and its free. Simply start a payment as you currently do via our app and select Pay with Payit™. You then choose the bank you want to pay from and authenticate with your usual bank logins and that’s it. Your available credit will update immediately and your balance will update within 2 working days. Click here for more information
Please allow 2 working days** for payment to appear on your account.
Visit Vanquis online banking at Vanquis Online Banking or call 01623 23 23 23*.
Continuous Payments via Debit Card
You can also set up a Continuous Payment Authority (CPA) via your Debit Card by calling us on 01623 23 23 23*. A continuous payment is a reoccurring card payment and can be set up for an amount of your choice either, weekly, bi-weekly, 4 weekly or monthly.
Please allow 2 working days** for you payment to appear on your account.
Sort code:60-95-94 Account number:0000 0001
Use your Vanquis credit card number starting with 4023 as the payment reference
Please allow 2 working days** for your payment to appear on your account.
Most banks use the faster payment service, which means your payment will usually arrive within 2 hours. However this payment could take up to 2 working days** to appear on your account.
Bank of Post Office
Fill in one of you payment slips and take it with your paymnet to any bank or Post Office.
Post Offices and some banks may charge you for making a payment to us.
For banks and Post Office payments, please allow up to 5 working days** for your payment to clear.
Payments may take up to 10 working days** to appear on your account
Direct Debit - the easy way to pay
You can make the minimum payment, the full balance, a fixed amount or a fixed percentage every month - tap the app to set up your Direct Debit or call us on 0330 099 3000*.
As with all Direct Debit payments, we request your automatic payment 3 working days** before it leaves your current account.
If you choose to make additional payments, this will have no effect on the amount we have already requested from your Bank.
Please note: You can make as many individual payments before your 'payment to reach us by' date, so long as the total payments are ay least equal to the minimum payment due printed on your monthly statement.
Fixed percentage or fixed amount Direct Debit
If you have a fixed amount Direct Debit it means you pay the same amount each month. However, if the fixed amount is not enough to cover your minimum payment we will take the outstanding minimum payment amount. If your statement balance is lower than your fixed amount we will only claim the balance on your statement to avoid your account going into credit.
Make your cheque or postal order payable to ‘Vanquis Bank’ followed by your Vanquis Credit Card number (1234 1234 1234 1234).
Write your name and card number on the back and send it with your completed payment slip to Vanquis Bank, PO Box 112, Sheffield, S98 1GG. We can’t accept post-dated cheques or cash.
Please allow 7 working days** for your payment to appear on your account
* Calls to 01 and 03 numbers from UK landlines and mobiles are usually included in free plan minutes if available; otherwise calls to 03 numbers cost the same as calls to 01/02 prefix numbers.
**Working days are Monday to Friday, excluding weekends and Bank Holidays
What if I change my mind? Can I cancel my credit card and how long do I have to do that?
After applying and receiving your credit limit, if you change your mind, you have 15 days to withdraw from your credit card agreement with us and cancel the card. You can do this by phone or in writing. You will have to repay us any credit and interest outstanding on your balance within 30 days. Interest will be charged for each day between the credit being drawn down and repaid. At any time, you can ask to close your account. To do so you must repay us any credit, interest and unpaid fees and charges outstanding on your account.
Please refer to your terms and conditions for more information on how you do this.
Can I use my new contactless card immediately?
With your new card you'll need to complete a Chip and PIN transaction before you can make a contactless payment. This is an extra security step to ensure your card is in your hands and not someone else's.
How often do you change my interest rate?
We will not increase your interest rates within the first year as a result of risk based re-pricing. This means your interest rates would only increase within the first year because of, for example, changes in the economy which lead to a change in the base lending rate.
If we do increase your interest rate we will not do so more than once every six months.
When we tell you about an increase in your interest rates, we will explain in clear language how it is changing, what it will cost and the options available to you.
If you ask, we will give you information on how and why we have changed your interest rate.
Why might my interest rates change?
When you borrow money on a credit card, the credit is ‘unsecured’ because it’s not linked to your property; and ‘open ended’ because the account is not set to last for a specific length of time. This means that we face more risk than other types of credit product, such as personal loans and mortgages. Also, your financial circumstances can change over time, which means there may be a higher risk that you will not be able to pay back the money you have borrowed.
Changing the interest rates allows us to respond to expected changes in: the economy; the cost of providing credit; and your financial circumstances.
If we didn’t adjust interest rates in this way, we might have to take your card away, or you may have to pay new charges.
If the soft credit search reveals that I can apply for a Vanquis Visa credit card, does that mean I will definitely be approved?
Once you submit the 'soft credit search’ form we will carry out some necessary checks and give you a response in 60 seconds. There is a chance that we may not be able to open your credit account if (a) we are unable to successfully complete affordability, fraud and money laundering checks or our Welcome Call (this is the telephone call we need to make to you to complete the application process); (b) if you change any of your information provided to us; and (c) in some cases we may also require Direct Debit details. Also remember that credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy.
What impact does “ring-fencing” have on me?
You do not need to take any action unless you are contacted by your bank. If you are affected by the changes, your bank will tell you how, when the changes take place and whether you need to do anything.
Customers of different banks may be affected in different ways. Even similar customers of the same bank may be affected in different ways.
Some bank customers will experience changes to their account details. For example, some customers may receive a new sort code or a new account number. If you are affected in this way, your bank will ensure that any outgoing payments, for example standing orders and Direct Debits, are made as normal. Your bank will also redirect to your new account details any incoming payments made to your old account details.
All bank customers should remain alert to the possibility of fraud.
It is recommended that customers:
- Treat all letters, phone calls, emails and text messages with caution. Don’t assume they are genuine, even if the person seems to know some basic information about you.
- Do not give out your account or card details or make changes to payments unless you are certain who you are dealing with.
- A genuine bank or organisation will never contact you out of the blue to ask for your PIN, full password or to move money to another account. Only give out your personal or financial details to use a service that you have given your consent to, that you trust and that you are expecting to be contacted by.
- Don’t be rushed or pressured into making a decision or acting quickly. A genuine bank or other organisation won’t mind waiting if you want time to think.
If you have any doubts at all about what you are being asked to do, check with your bank. Always use contact details you can trust, for example the phone number on your bank statement, rather than any details provided in the communication in question.
What's my right to withdraw?
Once you have applied and before acceptance of your application, you can withdraw it by sending WRITTEN notice to: Vanquis Card, Customer Services, P.O. Box 399, Chatham ME4 4WQ or by telephoning 0330 099 3000. Please click here for opening hours and call charge information. Once your application is accepted you will have a further short time to cancel the agreement. For more details see our response to 'What if I change my mind? Can I cancel my card and how long do I have to do that?'.
How can I get a PIN reminder or a new PIN?
You can order a PIN reminder for your own card or an additional card holder by using Vanquis QuickCall on 01623 23 23 23 Please click here for opening hours and call charge information.
If my Vanquis Visa credit card is lost or stolen can it be used for contactless transactions?
If you lose your card or think it might have been stolen please contact us immediately on our Lost & Stolen Line 0800 783 9003.
You are always covered by the same fraud protection and technology as when you use your PIN to make a payment, and for extra security you will occasionally be asked to enter your PIN instead of paying by contactless.