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Santander 123: Does active dds mean every month?
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lucky77
Posts: 217 Forumite


Sorry if this has been discussed recently, I couldn't see the answer on a quick search or Santander's website.
I was wondering if a credit card counts as an active direct debit if it is only collecting a direct debit every 2 or 3 months or if both direct debits need to be debited every month?
I was wondering if a credit card counts as an active direct debit if it is only collecting a direct debit every 2 or 3 months or if both direct debits need to be debited every month?
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Comments
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That should work fine.
Santander dd's do not have to be collected each month and could be left upto 12/13 months before they become inactive.
hth
sparkie0 -
That will work absolutely fine. As long as your direct debits are active, there is nothing that states that they must be taken every month.
Another example is council tax, you may only pay 10 months of the year but the other 2 months it still remains active.
Normally Direct Debits go inactive if not taken for 13 consecutive months.I work in the banking industry
Any posts given on here and not to be taken as advice just simply my views on the original post.0 -
Yes, that works fine. Just make sure it is showing as active on your direct debit list.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Thanks for your replies. I couldn't find an email address for Santander to ask them and when I phoned customer services the man I spoke to said the direct debits had to go out every month to get interest on the account. However he had to check with someone else so thought I'd ask here to see if anyone knew for sure as I seemed to recall reading the debits could be less frequent than every month.0
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Thanks for your replies. I couldn't find an email address for Santander to ask them and when I phoned customer services the man I spoke to said the direct debits had to go out every month to get interest on the account. However he had to check with someone else so thought I'd ask here to see if anyone knew for sure as I seemed to recall reading the debits could be less frequent than every month.
Well, he is wrong.
If the DDs had to pay out every month, then Santander's T&C would say that. They don't;).
He might be getting confused with cashback, in as much as if a DD for say Council Tax isn't paid for 2 months of the year, then obviously Santander won't pay cashback in those missing 2 months.
Or, he might simply be misinformed:cool:0 -
Thanks for your replies. I couldn't find an email address for Santander to ask them and when I phoned customer services the man I spoke to said the direct debits had to go out every month to get interest on the account. However he had to check with someone else so thought I'd ask here to see if anyone knew for sure as I seemed to recall reading the debits could be less frequent than every month.
Always encouraging when customer services know about the products!0 -
ValiantSon wrote: »Always encouraging when customer services know about the products!
Sadly, its not unusual when they don't. Its also not unusual for them to make up their own T&Cs.0 -
Depends if the Credit Card,,, is also a Santy one ?
You could have phoned them also !!!!0 -
So is a Santander credit card direct debit on the 123 a/c counting as a direct debit....0
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