Both options make paying bills simple. The best choice depends on whether you want to earn card rewards, manage cash flow or pay directly from your bank account.
| Pay by card | Pay by bank transfer |
Best for | Earning card rewards and managing cash flow | Paying bills, suppliers and salaries directly from your bank |
Fees | 2.50% of your bill amount | 0.5% of your bill amount |
Payment limit | Subject to your current card balance and limit | Up to £80,000 per transfer or batch, subject to your bank's limits |
When recipients get paid | Usually within 2 business days (up to 3 for new recipients) | Usually within minutes of bank approval |
Scheduled payments | Available | Coming soon |
Rewards | Earn eligible points or cashback through your card provider | Earn rewards on bank payments - coming soon |
How you pay | Use your securely saved card details | Authorise payments through your bank |
Choose card payments to earn card rewards and make the most of your available credit whilst managing cash flow.
Choose bank transfer to pay suppliers, bills and salaries directly from your bank account, including multiple payments in one go.