Making Zempler Credit Card repayments

It’s the smallest amount you’re required to pay after each statement period where you had a balance, to keep your account in good standing. 

We recommend you pay as much of your balance off each month as you can, and not just the minimum payment. If you only make the minimum payment each month it will take you longer and cost you more to pay off your balance.

For Business Credit Cards: Your minimum payment will be whichever is the larger amount between:

• £10 (or the total Balance Outstanding if it's less than £10); or
• 2% of the Balance Outstanding on the Account on the Statement Date, plus: all interest charged for the previous Monthly Statement Period; any Fees applied to your Account during the previous Monthly Statement Period (excluding Annual Fee); and any Instalment Plan payment due for that month (if applicable)

For personal Credit Cards: Your minimum payment will be whichever is the larger amount between:

• £10 (or the total Balance Outstanding if it's less than £10); or
• 3% of the Balance Outstanding on the Account on the Statement Date, plus: all interest charged for the previous Monthly Statement Period; any Fees applied to your Account during the previous Monthly Statement Period (excluding Annual Fee); any Instalment Plan payment due for that month (if applicable)

Money from refunds, reversals and certain types of payouts (e.g. gambling) are not considered as payments and you’ll still need to make at least the minimum payment.

Please check your credit card statement for details of the minimum payment due.

Monthly: Each month we’ll send you a Zempler Credit Card statement through the Zempler Bank app and Online Banking, unless you have requested it by post. This will show:

• A reminder of your payment due date
• The total amount spent on your Credit Card
• The minimum payment due
• A breakdown of any fees or interest

Annually: You’ll also receive an annual statement once a year, in the same month you opened your Zempler Credit Card account. We only send annual statements to customers who’ve used their card, or made another transaction on their account during the year (e.g. made a payment).

The annual statement is intended to be a quick and easy way to see what type of transactions you’ve made, how much you’ve spent, and any fees and interest you’ve incurred using your Zempler Credit Card over the last 12 months.

To make a one-off payment using your bank card you can use our online repayment service by logging into Online Banking and selecting ‘Make a repayment’. 

You can save your bank card details to make future payments quicker or to set up automatic payments. If you consent to us storing your bank card details for the purpose of making future payments, you have the right to cancel this at any point by calling Customer Service. 

You can make a payment via bank transfer using your Zempler Account details.

To find your account details, check your statement or view these in-app or Online Banking:

1. Login to Online Banking or the app
2. Go to ‘Repay’
3. Select ‘Repay by bank transfer’
4. Your account details will be displayed

If you make a repayment before 4pm Mon-Fri, it will reach your credit card the next day. If you make a repayment after 4pm Mon-Fri or any time on the weekend, it will reach your credit card in two business days.

Log in to the Zempler Bank app or Online Banking to see your payment due date or view your monthly credit card statement. 

Yes. There’s a late payment fee of £12 if you fail to make at least the minimum payment by its due date. You’ll also incur additional interest and the total cost of paying back your debt will grow. Interest will be charged on the late payment fee if you don’t pay it off within 30 days. By not making or being late with your payments you could damage your credit rating. 

You can call our Credit Management team directly on 0203 059 5784 if you’re having difficulty making your repayments as we can help.

If you don’t make your repayment(s) on time, this can have a negative impact on your personal or business credit rating. 

We understand that sometimes Zempler Credit Card customers may be unable to afford their minimum payments and we're here to help.

If you're struggling to make your payments, please call our Credit Management team straight away on 0203 059 5784. 

If you don’t make your repayment(s) on time, this can have a negative impact on your personal or business credit rating. 

For free and confidential advice, you can contact the Citizens Advice Bureau (08444 111 444), MoneyHelper (0300 500 5000) or Business Debtline (0800 197 6026). 

While you can’t set up a Direct Debit, you can set up an recurring card payment from your bank card. An automatic payment is a monthly payment from your bank card that you set up to pay the whole statement balance, the minimum payment or a set amount each month. 

Unlike a Direct Debit, it’s not covered by the Direct Debit Guarantee scheme.  If you consent to us storing your bank card details for the purpose of making future payments, you have the right to cancel this at any point by calling our Customer Service team.

You can set up a standing order to pay your credit card using the Account Number and Sort Code provided on your monthly statement.