Savings/investment DDs and debit card deposits- An updated list

Bridlington1

Welcome to this thread. I have decided to create this thread to provide a regularly updated list of savings and investment accounts that can be paid into by direct debit and/or debit card for the purposes of satisfying the various bank switching offers and reward accounts that are available.

This thread is intended to be a continuation of the existing Savings accounts accepting DD's thread with the addition of savings accounts that let you make deposits by debit card.

Feel free to use this thread to discuss any of the items on this list and if there are any DDs/accounts that I have missed please mention these in this thread or send me a direct message so I can add them to the list. 

I have divided up the information here into 6 sections as follows:

• Savings accounts DDs
• Investment accounts DDs
• Miscellaneous DDs
• Savings accounts that let you deposit by debit card
• Investment accounts that let you deposit by debit card
• Miscellaneous accounts that let you deposit by debit card

I have included a brief summary of the terms and conditions of each account and where possible I have included links to each of the accounts on this list. I shall not be maintaining lists of items marked as ``DYOR", such as charities, credit cards etc. 

Please note that as of July 2025 I am no longer including interest rates or any reference to refer-a-friend/sign up offers on these listings.

Bridlington1

Savings accounts DDs:

Hanley Economic BS (all accounts):

Direct debit amount: No stated limits

Frequency/date: One per account per month, this can be on either 1st, 7th, 14 or 21st of the month.

Sole/joint: Can be opened in sole or joint names

Remarks: In order to set up a direct debit you must fill in a direct debit mandate form.

M&S Cash ISA (variable rate option):

Direct debit amount: £1 min

Frequency/date: One DD on 4th of each month

Account opening/management: By post and telephone, can also be opened online

Sole/joint: Can be opened in sole name only but deposits can be made from a joint account

Remarks: Must fill in direct debit mandate form, which must be sent to M&S bank along with a cheque for the first month's deposit. The cheque must be from the same account that you've set up the DD on. Minimum withdrawal amount £10. ISA is not flexible.

Moneybox:

Direct debit amount: £2 minimum

Frequency/date: One DD on first working day of each week

Account opening/management: App

Sole/joint: Can be opened in sole name only but deposits can be made from a joint account

Remarks: N/A

Plum:

Direct debit amount: £1 minimum

Frequency/date: As often as you wish but weekly DD is on Wednesdays only.

Account opening/management: App

Sole/joint: Can be opened in sole name only and all DDs must come from a sole account

Remarks: Can link multiple accounts but you must select one account only for DDs to come out of.

Post office Easy Access Cash ISA:

Direct debit amount: £10 minimum

Frequency/date: One DD per month on whichever date you wish.

Account opening/management: By post or branch, can also be managed by phone

Sole/joint: Can be opened in sole name only but DDs can be taken from a joint account.

Remarks: Account is not flexible. Minimum initial deposit £100

Swansea BS Regular Monthly Saver:

Direct debit amount: £25 to £1.5k

Frequency/date: One DD per month on either 1st, 5th, 12th, 19th or 26th (you may choose any of these dates)

Account opening/management: By post or branch, can also be managed online

Sole/joint: Can be opened in sole or joint names.

Remarks: To open an account, you must be resident in Wales.

Tembo cash ISA 

Direct debit amount: £25 minimum

Frequency/date: One per month on a date of your choice.

Account opening/management: App

Sole/joint: Can be opened in sole name only

Remarks: Account is not flexible. 

Bridlington1

Investment DDs:

AJ Bell Dealing and Stocks & Shares account:

Direct debit amount: £25 minimum

Frequency/date: One monthly DD per dealing account on 10th of each month.

Account opening/management: Online

Sole/joint: Can be opened in sole or joint names

Remarks: All deposits must come from your nominated account and you may only hold one nominated account irrespective of how many dealing accounts you open.

The Big Exchange:

Direct debit amount: £25 minimum

Frequency/date: One monthly DD per GIA account on 2nd of each month.

Account opening/management: Online

Sole/joint: Can be opened in sole name only and all DDs must come from a sole account.

Remarks:  All deposits must come from your nominated account and you may only hold one nominated account irrespective of how many GIA accounts you open.

Freetrade GIA:

Direct debit amount: £25 minimum

Frequency/date: One monthly DD per GIA account each month on any date of your choosing.

Account opening/management: App

Sole/joint: Can be opened in sole name, it is unclear whether joint accounts are allowed or if DDs can be linked to joint accounts. I shall update this post one I have further information.

Remarks: All DDs must come from your linked account and you may only have one linked account irrespective of how many GIAs you open.

Hargreaves Lansdown (investment only):

Direct debit amount: £25 minimum, though can be set to £0 in order to temporarily suspend the DD.

Frequency/date: One monthly DD per product on 7th of each month.

Account opening/management: Online, phone or post

Sole/joint: Can be opened in sole or joint names, though joint accounts must be opened by post

Remarks: You may only hold one nominated account for DDs at any one time and all DDs must come from this nominated account. Your nominated account for DDs does not need to be the same account as your nominated account for withdrawals. You may change the total DD between 10th and 21st of the month and investment choices between 10th and 7th.

Invest Engine:

Direct debit amount: £50 minimum

Frequency/date: One monthly DD per account each month on any date of your choosing.

Account opening/management: Online

Sole/joint: Can be opened in sole name, it is unclear whether joint accounts are allowed or if DDs can be linked to joint accounts. I shall update this post one I have further information.

Remarks: All DD deposits must be made from your nominated account and you may only have one nominated account irrespective of how many accounts you hold.

Moneyfarm GIA:

Direct debit amount: £100 minimum

Frequency/date: One monthly DD can be set up on each GIA on any date of your choosing but you can also make one off deposits by DD.

Account opening/management: Online

Sole/joint: Can be opened in sole name, it is unclear whether joint accounts are allowed or if DDs can be linked to joint accounts. I shall update this post one I have further information.

Remarks: All DDs must come from your nominated account. You may only have one nominated account.

Scottish Friendly ISA:

Direct debit amount: £10 minimum

Frequency/date: One monthly DD of £10 on any date of your choice plus one off DD deposits of £100+.

Account opening/management: Online

Sole/joint: Can be opened in sole names, joint TBC

Remarks: N/A

Wealthify GIA and Stocks & Shares ISA:

Direct debit amount: £1 minimum

Frequency/date: One monthly DD per account each month on any date of your choosing.

Account opening/management: Online or app

Sole/joint: Can be opened in sole name only. It is unclear whether joint accounts are allowed or if DDs can be linked to joint accounts. I shall update this post one I have further information.

Remarks: All deposits must be made from your nominated account and you may only hold one nominated account irrespective of how many GIAs you open.

Bridlington1

Miscellaneous DDs:

Charities (DYOR)

Credit cards (DYOR)

Credit unions (DYOR)

Currensea:

Direct debit amount: No stated minimum

Frequency/date: As often as you like, 2 working days after purchase.

Opening/management: Online or app

Sole/joint: Can be opened in sole or joint names

Remarks: You can link two accounts to Currensea but direct debits can only be taken from one active account.

HMRC:

Direct debit amount: £1 minimum

Frequency/date: As often as you like on any date of your choice.

Opening/management: Online or app

Sole/joint: Can be set up on sole accounts, it is unclear if DDs on joint accounts are permitted. I shall update this thread once I have further information.

Remarks: You may link multiple accounts to HMRC and set up one off DDs too.

Park Christmas Savings:

Direct debit amount: Varies depending on voucher choice

Frequency/date: TBC

Opening/management: Online

Sole/joint: TBC

Remarks: N/A

Some lotteries (DYOR)

Student loans Company:

Direct debit amount: £5 minimum

Frequency/date: One monthly DD on 10th of each month

Opening/management: Online

Sole/joint: Can be set up on sole accounts, it is unclear if DDs on joint accounts are permitted. I shall update this thread once I have further information.

Remarks: Can be used to repay some of your student loan early, but it is worth checking your individual circumstances before setting this one up as for many there is little or no benefit for doing this.

Sprive

Paypal 

Bridlington1

Savings accounts that let you pay in by debit card:

Cambridge BS:

Accounts: Any online/branch account

Debit card deposit amount: £1 minimum

Remarks: Deposits may be made made in branch or online

Chip Instant Access Account:

Debit card deposit amount: £1 minimum

Account opening/management: App

Remarks: N/A

Darlington BS:

Accounts: All accounts

Debit card deposit amount: £1 minimum

Remarks: Deposits can be made online or in branch.

Dudley BS:

Accounts: All accounts

Debit card deposit amount: £10 minimum for online deposits. No stated minimum for phone/branch deposits.

Remarks: Deposits can be made online, in branch or by phone. 

Family BS

Accounts: Any that can be opened/managed online.

Debit card deposit amount: £1 minimum

Remarks: n/a

Hanley Economic BS:

Accounts: All accounts

Debit card deposit amount: 1p minimum. Maximum deposit of £10k by phone, £20k in branch.

Remarks: Can make deposits in branch, over the phone or using online banking (online accounts only).

Leeds BS:

Accounts: Any that can be opened/managed online or in branch.

Debit card deposit amount: £1 minimum

Remarks: Additional deposits to savings accounts can be made in branch only. Debit card deposits can be made online for initial deposits only. 

Hargreaves Lansdown:

Accounts: Any that can be opened online via active savings.

Debit card deposit amount: £1 minimum

Remarks: n/a

Mansfield BS:

Accounts: Any account that can be managed in branch.

Debit card deposit amount: No stated minimum

Remarks: Debit card deposits can be made in branch only. 

M&S Cash ISA (variable rate option):

Debit card amount: £1 minimum

Account opening/management: By post or telephone, but can also be opened online

Remarks: ISA is not flexible. Deposits can be made online or by telephone. Debit card deposits are processed manually and online deposits may take up to 5 working days to be debited from your debit card (my £1 test deposit was debited from my current account the next day though). Each deposit will result in you being sent a paper certificate of deposit, a copy of the summary boxes for both the fixed and variable rate ISA options and a FSCS sheet so unless you wish to receive rather a lot of post, M&S isn't very good to use for lots of small repetitive debit card deposits IMHO.

Marsden BS:

Accounts: Any that can be managed in branch or online

Debit card deposit amount: No stated minimum, maximum of £1k

Remarks: n/a

Monmouthshire BS:

Accounts: Any account that can be managed in branch.

Debit card deposit amount: No stated minimum

Remarks: Debit card deposits can not be made online.

Newbury BS:

Accounts: All accounts visible in online banking/app.

Debit card deposit amount: 1p minimum, £6999 maximum

Remarks: Can make deposits in online banking or the app.

Newcastle BS (branch only):

Accounts: Any that can be opened/managed in branch

Debit card deposit amount: No stated minimum

Remarks: n/a

NS&I Direct Saver:

Debit card deposit amount: £1 minimum

Account opening/management: Online but can also be managed by phone

Remarks: Can also buy premium bonds with debit card (£25 minimum, whole pounds only).

Penrith BS:

Accounts: Any account

Debit card deposit amount: £10+

Remarks: Debit card deposits can not be made online.

Post office Easy Access Cash ISA:

Debit card deposit amount: £1 minimum

Account opening/management: By post or branch but can also be managed by phone

Remarks: Account is not flexible, debit card deposits may be made in branch or by telephone only. Minimum initial deposit is £100.

Post Office Easy Access Online Cash ISA Issue 48:

Debit card deposit amount: £10 minimum

Account opening/management: Online

Remarks: Account is not flexible, debit card deposits can be made online only. Minimum initial deposit is £100. You can also pay into their fixed rate cash ISA by debit card. 

Progressive BS:

Accounts: Specific accounts only, see individual product Ts&Cs (DYOR).

Debit card deposit amount: No stated minimum

Remarks: Deposits can be made online or in branch. Accounts are currently only available to existing customers and new customers living in Northern Ireland. 

Skipton BS:

Accounts: Any online/app account

Debit card deposit amount: £1 minimum

Remarks: Deposits may be made made online or by app. Have been known to get a tad irritated by overly frequent use of their debit card facility so it may be worth going easy on this one.

Stafford Railway BS:

Accounts: Most accounts (check individual Ts&Cs).

Debit card deposit amount: No stated minimum.

Remarks: Deposits may be made in branch or over the phone. Rather annoyingly their regular saver can not be funded by debit card.

Virgin Money (initial deposit only):

Accounts: Most savings account that can be opened online (DYOR)

Debit card deposit amount: £100 minimum

Remarks: Deposits can only be made online.

YBS:

Accounts: Any account that can be viewed online

Debit card deposit amount: £1 minimum

Remarks: Deposits can only be made online.

Bridlington1

Investment accounts that let you pay in by debit card:

The Big Exchange:

Debit card deposit amount: £100 minimum

Account opening/management: Online

Remarks: N/A

CMC invest GIA:

Debit card deposit amount: £10 minimum

Account opening/management: App

Remarks: N/A

Trading 212:

Debit card deposit amount: £1 minimum

Account opening/management: Online

Remarks: Can pay into their investment account or the Trading 212 card using a debit card. Currently up to £2k of debit card deposits can be made without a fee, after that a 0.7% fee is imposed.

Wealthify (pension only):

Debit card deposit amount: £50 minimum

Account opening/management: Online or app

Remarks: n/a

Miscellaneous accounts that let you pay in by debit card:

Monese Instant account:

Debit card deposit amount: £10 minimum, £3k maximum per month. There is a limit of 2 top ups per day, 5 per week and 10 per month. 

Account opening/management: App

Remarks: Currently charge a 1% fee on debit card deposits. You can link up to 3 debit cards in your name to Monese at any one time.

Monzo.me:

Debit card deposit amount: Max £500 per deposit, £1k per month.

Account opening/management: App

Remarks: Monthly payment limits are not based on a calendar month, i.e. if you made £1k's worth of deposits on 10th, you would be unable to make further deposits until 10th of the following month. You can pay yourself through the following link:

Monzo.me/**USER**

Revolut:

Debit card deposit amount: £10+

Account opening/management: App

Remarks: Have been known to get a tad irritated by overly frequent use of their debit card facility so it may be worth going easy on this one.

Starling bank settle up:

Debit card deposit amount: £1 minimum

Account opening/management: App

Remarks: You may only make £250 worth of debit card payments per day to each person. You can pay yourself though by editing the following link:

https://settleup.starlingbank.com/**USER**/pay

Student Loans Company:

Debit card deposit amount: £5 minimum

Remarks: One off debit card deposits can be made as often as you like online. You may also set up monthly recurring card payments of £5 minimum. Can be used to repay some of your student loan early but it is worth checking your individual circumstances before setting this one up as for many there is little or no benefit for doing this.

Bridlington1

Reserved for future use.

Bridlington1

Reserved for future use.

kaMelo

I seem to remember the minimum DD for Charity Bank being £10, although to be honest I've just searched for it in their assorted terms and cannot find any mention of a minimum, it doesn't say a minimum on their DD form either.
Despite that I can say I've been happily depositing only £10 a month via DD to the 33 day notice account for some time, maybe it could be set for a smaller amount but as it's a savings account I'm happy to leave it at that.

Charity bank direct debit date is fixed at 10th of the month.  From the DD form:

Charity Bank offers a claim date of the 10th of each month only. If you require a different date, please set up a standing order from your nominated account
https://ca1-chr.edcdn.com/files/DIRECT-DEBIT-MANDATE-v240522-FINAL.pdf

Just a heads up to anyone thinking of using Scottish Widows Internet Saver.
Whilst it is a DD to a savings account and will work for rewards/etc, it is painfully slow to set up and about as basic online functionality as you can get. Think of this as a long term direct debit on an account you're not going to change.


Oh, and thanks a lot @Bridlington1 for taking this on, the old one was now somewhat out of date. 
Good to see the addition of debit card deposits to the list too.

Over62

Thanks for this, will be very useful.

Can you add Family Building Society to your list of Savings Accounts that let you pay in by debit card.  I've found them to be useful for spreading debit card deposits around rather than just using Skipton and potentially annoying them.

Bridlington1

kaMelo said:

I seem to remember the minimum DD for Charity Bank being £10, although to be honest I've just searched for it in their assorted terms and cannot find any mention of a minimum, it doesn't say a minimum on their DD form either.
Despite that I can say I've been happily depositing only £10 a month via DD to the 33 day notice account for some time, maybe it could be set for a smaller amount but as it's a savings account I'm happy to leave it at that.

Charity bank direct debit date is fixed at 10th of the month.  From the DD form:

Charity Bank offers a claim date of the 10th of each month only. If you require a different date, please set up a standing order from your nominated account
https://ca1-chr.edcdn.com/files/DIRECT-DEBIT-MANDATE-v240522-FINAL.pdf

Over62 said:

Can you add Family Building Society to your list of Savings Accounts that let you pay in by debit card.  I've found them to be useful for spreading debit card deposits around rather than just using Skipton and potentially annoying them.

Thanks for the information, these have now been added to the lists.