RBS Credit Card - Debit Card Repayments

dreamypuma

Hi All, 

Not sure if I am missing something here. I don't seem to be able to find a way to pay my RBS credit card using a debit card. I've tried online, and on the app.

Debit Card would be my preference as I am rewarded for spend on my debit card, and it's one of only two ways I can meet the minimum spend for rewards (previous payment to Virgin Credit card qualified as debit card spend)

la531983

There would also be no guarantee that RBS would classify the transaction the same way Virgin do, it may not qualify for cashback (Chase for example have a number of exclusions, credit cards likely come under "debt repayments" and its possible the one you got cashback for before slipped through the net and you probably shouldnt have done so)

born_again

https://www.rbs.co.uk/business/support-centre/making-and-accepting-payments/credit-card-payments.html

Not all CC's allow payments via debit card.

dreamypuma

la531983 said:

There would also be no guarantee that RBS would classify the transaction the same way Virgin do, it may not qualify for cashback (Chase for example have a number of exclusions, credit cards likely come under "debt repayments" and its possible the one you got cashback for before slipped through the net and you probably shouldnt have done so)

Thanks, Yes appreciate that. I was surprised that Virgin CC payments qualified, as the exclusions are quite explicit on Halifax rewards account. Ultimately it's only £5 per month, but better in my pocket. Shame my 0% ended with Virgin.

Chase in particular are quite savvy with cashback qualification, and not as appealing as before.

dreamypuma

born_again said:

https://www.rbs.co.uk/business/support-centre/making-and-accepting-payments/credit-card-payments.html

Not all CC's allow payments via debit card.

Thanks. I was hoping Telephone banking might be an option, but alas!

At least my pensions contributions qualify (for now)

WillPS

la531983 said:

There would also be no guarantee that RBS would classify the transaction the same way Virgin do, it may not qualify for cashback (Chase for example have a number of exclusions, credit cards likely come under "debt repayments" and its possible the one you got cashback for before slipped through the net and you probably shouldnt have done so)

Debit Card spend targets (i.e. Halifax reward, Co-operative Everyday, TSB Spend & Save) normally don't care about which MCC was used.

Debit card cashback (Chase, Algbra, think that's it?) tend to be picky about MCC.

prettyandfluffy

I have a Lloyds CC which I pay with my Virgin debit card as follows: in the app, I go to make a payment.  It generates a list of U.K. banks.  Scroll to the bottom and choose "my bank isn't listed".  This automatically opens the window for paying by debit card.

WillPS

prettyandfluffy said:

I have a Lloyds CC which I pay with my Virgin debit card as follows: in the app, I go to make a payment.  It generates a list of U.K. banks.  Scroll to the bottom and choose "my bank isn't listed".  This automatically opens the window for paying by debit card.

Similar story with Amex. Expect both will remove debit card support altogether at some point, as Natwest Group and HSBC already have.

dreamypuma

prettyandfluffy said:

I have a Lloyds CC which I pay with my Virgin debit card as follows: in the app, I go to make a payment.  It generates a list of U.K. banks.  Scroll to the bottom and choose "my bank isn't listed".  This automatically opens the window for paying by debit card.

The RBS app does something similar, but instead of debit card it reverts to a PAYIT / Openbanking faster transfer.