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A regularly updated list of accounts that allow direct debit and/or debit card deposits
Welcome to the list of savings and investment accounts that allow deposits to be made by direct debit and/or debit card.
The aim is to keep these tables as up to date and accurate as possible on an ongoing basis.
So if there is an account listed that has incorrect information, or needs updating, or removing please leave a comment or drop me a DM.
If there is an account you think should be added please leave a comment or DM so others can benefit from it too.
I have added a new section for charity lotteries that accept payments by direct debit and/or debit card. If there's a charity lottery you would like added to the list leave a comment or DM.
Savings accounts direct debits | |
|---|---|
Direct debit amount | No stated limits. |
Frequency/date | One per account per month, this can be on either 1st, 7th, 14th 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. |
Direct debit amount | £1 min. |
Frequency/date | One direct debit on 4th of each month. |
Account opening/management | By post, telephone or 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 direct debit on. Minimum withdrawal amount £10. ISA is not flexible. |
Direct debit amount | £2 minimum. |
Frequency/date | One direct debit 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 | |
Direct debit amount | £1 minimum. |
Frequency/date | As often as you wish but weekly direct debit is on Wednesdays only. |
Account opening/management | App. |
Sole/joint | Can be opened in sole name only and all direct debit must come from a sole account. |
Remarks | Can link multiple accounts but you must select one account only for direct debits to come out of. From 31st March 2026, each Plum account will require a unique mobile number to log in. |
Direct debit amount | £10 minimum. |
Frequency/date | One direct debit 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 direct debits can be taken from a joint account. |
Remarks | Account is not flexible. Minimum initial deposit £100. |
Direct debit amount | £25 to £1,500. |
Frequency/date | One direct debit per month on either1st, 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. |
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. It is unclear whether joint accounts are allowed or if direct debits can be linked to joint accounts. |
Remarks | Account is not flexible. Minimum initial deposit £100. |
Comments
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Investment accounts direct debits
Direct debit amount
£25 minimum.
Frequency/date
One monthly direct debit 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.
Direct debit amount
£25 minimum.
Frequency/date
One monthly direct debit per GIA account on 2nd of each month.
Account opening/management
Online.
Sole/joint
Can be opened in sole name only and all direct debits 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.
Direct debit amount
£25 minimum.
Frequency/date
One monthly direct debit 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 direct debits can be linked to joint accounts.
Remarks
All direct debits must come from your linked account and you may only have one linked account irrespective of how many GIAs you open.
Direct debit amount
£25 minimum, though can be set to £0 in order to temporarily suspend the direct debit.
Frequency/date
One monthly direct debit 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 direct debits at any one time and all direct debits must come from this nominated account. Your nominated account for direct debits does not need to be the same account as your nominated account for withdrawals. You may change the total direct debit between 10th and 21st of the month.
Direct debit amount
Minimum £25.
Frequency/date
Monthly.
Account opening/management
Online.
Sole/joint
Can be opened in sole name, it is unclear whether joint accounts are allowed or if direct debits can be linked to joint accounts.
Remarks
Direct debit amount
£50 minimum.
Frequency/date
One monthly direct debit 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 direct debits can be linked to joint accounts.
Remarks
All direct debit deposits must be made from your nominated account and you may only have one nominated account irrespective of how many accounts you hold.
Direct debit amount
Minimum £1 per month from your personal linked bank account.
Frequency/date
Any day of the month between 1st and 28th.
Account opening/management
Online.
Sole/joint
Remarks
Any Personal Investing account such as Stocks and Shares ISA, Lifetime ISA, General Investment account and Junior ISA.
Direct debit amount
£100 minimum.
Frequency/date
One monthly direct debit can be set up on each GIA on any date of your choosing but you can also make one off deposits by direct debit.
Account opening/management
Online.
Sole/joint
Can be opened in sole name, unknown whether joint accounts are allowed or if direct debits can be linked to joint accounts.
Remarks
All direct debits must come from your nominated account. You may only have one nominated account.
Direct debit amount
£10 minimum.
Frequency/date
One monthly direct debit of £10 on any date of your choice plus one off direct debit deposits of £100+.
Account opening/management
Online.
Sole/joint
Can be opened in sole names, unknown if joint are allowed.
Remarks
Wealthify General Investment Account (GIA) and Stocks & Shares ISA
Direct debit amount
£1 minimum.
Frequency/date
One monthly direct debit 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 direct debits can be linked to joint accounts.
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.
5 -
Miscellaneous accounts direct debits
Direct debit amount
No stated minimum.
Frequency/date
As often as you like, from 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.
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, unknown if direct debits on joint accounts are permitted.
Remarks
You may link multiple accounts to HMRC and set up one off direct debits too.
Direct debit amount
Varies depending on voucher choice.
Frequency/date
Unknown.
Opening/management
Online.
Sole/joint
Unknown.
Remarks
Direct debit amount
£5 minimum.
Frequency/date
One monthly direct debit on10th of each month.
Opening/management
Online.
Sole/joint
Can be set up on sole accounts, unknown if direct debits on joint accounts are permitted.
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.
5 -
Savings accounts that allow you to 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.
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
Accounts
Debit card deposit amount
No minimum but there is a £2,500 lifetime limit. Deposit via Google Pay.
Remarks
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.
Accounts
Any that can be opened online via active savings.
Debit card deposit amount
£1 minimum.
Remarks
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.
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 phone. Debit card deposits are processed manually and online deposits may take up to 5 working days to be debited from your debit card.
Marsden BS
Accounts
Any that can be managed in branch or online.
Debit card deposit amount
No stated minimum, maximum of £1,000.
Remarks
Newbury BS
Accounts
All accounts visible in online banking/app.
Debit card deposit amount
1p minimum, £6,999 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
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 minimum
Remarks
Debit card deposits can not be made online.
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 phone only. Minimum initial deposit is £100.
From 31st March 2026, each Plum account will require a unique mobile number to log in.
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 T&Cs.
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 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 T&Cs).
Debit card deposit amount
No stated minimum.
Remarks
Deposits may be made in branch or over the phone. Their regular saver cannot be funded by debit card.
Suffolk BS
Accounts
Any account.
Debit card deposit amount
No stated minimum.
Remarks
Virgin Money (initial deposit only)
Accounts
Most savings account that can be opened online.
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.
3 -
Investment accounts that allow you to pay in by debit card
Debit card deposit amount
£100 minimum.
Account opening/management
Online.
Remarks
Debit card deposit amount
£10 minimum.
Account opening/management
App.
Remarks
Accounts
Self-Invested Pension Plan (SIPP).
Debit card deposit amount
Minimum £1.
Remarks
Accounts
Debit card deposit amount
No minimum but there is a £2,500 lifetime limit. Deposit via Google Pay.
Remarks
Accounts
Scottish Widows Share Dealing, Halifax Share Dealing, Lloyds Share Dealing, Bank of Scotland Share Dealing.
Debit card deposit amount
Remarks
Available for regular (monthly) investments.
Accounts
All accounts visible in online banking/app.
Debit card deposit amount
Between £1 and £99,999.
Remarks
Accounts
Any Personal Investing account such as Stocks and Shares ISA, Lifetime ISA, General Investment account and Junior ISA.
Debit card deposit amount
£75 minimum. Deposit via debit card or Google Pay.
Remarks
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 £2,000 of debit card deposits can be made without a fee, after that a 0.7% fee is imposed.
Debit card deposit amount
£50 minimum.
Account opening/management
Online or app.
Remarks
3 -
Miscellaneous accounts that allow you to pay in by debit card
Debit card deposit amount
£10 minimum, £3,000 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.
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 £1,000 worth of deposits on 10th of this month, you would be unable to make further deposits until 10th of the following month. You can pay yourself through the following link: https://Monzo.me/**USER** .
Debit card deposit amount
£10 minimum.
Account opening/management
App.
Remarks
Have been known to get irritated by overly frequent use of their debit card facility so it may be worth going easy on this one.
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: .
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.
1 -
Charity lotteries that allow you to pay in by debit card or direct debit
Direct debit amount
£1 min per week (taken as £4.34 every month).
Debit card amount
£26 or £52 for 6 months or 12 months respectively.
Account opening/management
Online, phone or post.
Remarks
Direct debit amount
£1 min per week (taken as £4.34 every month).
Debit card amount
£13, £26 or £52 for 3, 6 or 12 months respectively.
Account opening/management
Online or phone.
Remarks
1 -
Reserved for future use.
1 -
Reserved for future use.
1 -
Reserved for future use.
1 -
Reserved for future use.
1
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