Paying by Direct Debit is a simple and easy way to pay your energy bills. A Direct Debit is an instruction from you that allows us to automatically collect money from your bank account on an agreed date. So, you don’t have to worry about paying when your bill arrives. And it’s covered by the Direct Debit Guarantee. In this article, we’ll explain the benefits of paying this way, and how to set up or change your Direct Debit online.
Benefits of paying by Direct Debit
Direct Debit is convenient for busy lifestyles - and we’ll give you a discount on your energy if you chose to pay this way. There’s two options to choose from:
Option 1 - Monthly Direct Debit
Monthly Direct Debit is a great way to budget for your energy. You pay a set amount every month, on a payment date that suits you. This helps to spread the cost of your energy across the year. And to keep you on track with your payments, we'll do a Direct Debit review at least twice in a 12-month period.
Plus, you can manage your payment date, amount, and bank account details via your online account.
Option 2 - Variable Direct Debit
With this option you pay your energy bill in full each quarter. Your bill will show the amount and date of the payment.
How to set up a Direct Debit
Setting up a monthly Direct Debit is easy with an SSE online account. Make sure you have your bank account number and sort code to hand:
- Log in to your online account.
- Select ‘Set up a Direct Debit’ from the Quick links at the bottom of your dashboard
- Choose the account you want to set the up the Direct Debit for
- Follow the steps as directed to complete setting up your Direct Debit instruction
If you have more than one energy account, you’ll need to repeat this process for each one. We’ll send you an email or letter to confirm your Direct Debit has been set up.
If you don’t have an online account, why not register for one now? You’ll be able to manage your Direct Debit, view your bills, give meter readings and much more.
If you'd prefer to fill in a paper Direct Debit mandate, or want to set up a variable Direct Debit, please contact us.
How to change your Direct Debit
You can change your bank details, monthly payment date and monthly payment amount whenever you need to via your online account.
To change the payment date or bank details:
- Log in to your online account.
- Choose ‘Manage Direct Debit’ from the Quick links at the bottom of the dashboard
- Choose the account you want to change details for
- Select the ‘Edit’ link for the date or bank account details to make your changes
We’ll email or write to you to confirm that your changes have been made. If you have more than one account, you’ll need to repeat this process for each one.
If you don’t have an online account, it’s easy to register for one today. Once you’re set up you can manage your Direct Debits, give meter readings and see your energy usage, plus much more.
To change your monthly payment amount
We review your monthly Direct Debit payments at least twice during a 12-month period. But you may want to raise or lower what you’re paying if your circumstances change. For example, if you’re going to be at home more, or someone moves out.
You can do this in your online account:
- Log in to your online account.
- Select ‘View your Direct Debit amount’ on the energy account you want change the Direct Debit amount for
- If you’ve had a Direct Debit review recently, you’ll see your new payment amount and a breakdown of how we’ve worked this out. If not, you’ll just see your current payment amount.
- Select the ‘Adjust amount’ button.
- As you change your payment amount, we’ll show you what your estimated balance will be at your yearly review. So, you can see the impact your change will make going forwards.
We’ll email or write to you to confirm that your changes have been made. If you have more than one account, you’ll need to repeat this process for each one. Don’t have an online account? Register for one now and easily manage your Direct Debit, view your bills, give meter readings and more.
What is a Direct Debit review?
We review the amount of energy you are using at least twice during a 12-month period to make sure you aren't paying too much or too little. Once this is done, we may adjust your Direct Debit payment amount. Visit our Direct Debit FAQ's page to learn more about this.
Direct Debit refunds
If your latest energy bill is based on an actual meter reading, then at your Direct Debit review we can see if your account’s in credit. If we forecast your payments are enough to cover the energy you're likely to use in the future, we’ll refund any overpayment back to your bank account
How to cancel your Direct Debit
If you want to cancel your Direct Debit, simply take a meter reading and contact us. We'll update your reading and discuss how you'd like to pay your bills in future. If you've got a debit balance on your account but you don't want to set up a payment plan, you'll need to pay the balance in full.
If you're changing to another supplier, you don't need to cancel your Direct Debit. After your final bill, we'll refund any credit back to you or take a one-off payment for any money you owe. Then we'll automtically close your Direct Debit.
Help if you can't afford your payments
We understand that sometimes money gets tight. If you're struggling to pay your bills, get in touch as soon as possible – we're here to help.
If you've got a debt on your account, we may be able to help spread the repayments or find a more suitable payment plan.
What you need to know
If you have a fixed price tariff and pay by Direct Debit or standing order, for most fixed tariffs you’ll get a discount of £40 a year for each fuel when compared to other ways of paying. The discount is applied to your standing charge on a pence per day basis, until your tariff ends.
If you have a standard variable tariff, your energy prices are capped and the maximum price you pay (known as a cap) is set by Ofgem, the energy regulator. If you pay by Direct Debit or standing order, your standing charge and unit prices will be discounted. Your discount will vary depending on how much energy you use, where you live and your meter type. If you qualified for Warm Home Discount before 1 August 2019, your prices will be discounted regardless of how you pay.
Certain tariffs do not qualify for Direct Debit and standing order discounts. Please check the tariff terms and conditions for details.