Ask Finder: How do I pay a credit card from another bank?

Posted: 3 July 2019 5:02 pm

Credit card providers offer many different ways to make payments, regardless of which bank you have your everyday account with.

Hi guys,
I have all my accounts with CommBank and can just transfer money from my everyday account to my credit card when I need to make a payment. I'm now looking at getting a credit card from a different bank but I'm just wondering how the payments would work when they come from a different bank account. Can you please explain the process to me?
New to comparisons

This is a great question for anyone who is thinking of getting a credit card from a different bank or provider. Paying a credit card from a different bank is similar to paying your phone or electricity bill. So, when you get the statement, you'll see all the different payment options available.

This typically includes BPAY, direct debit or mail.

So, as an example, say you wanted to pay off an ANZ credit card from your CommBank transaction account using BPAY. Here are the basic steps you would take:

  1. Get your credit card statement and find the BPAY biller code and reference number. If you're having trouble finding this, look for the BPAY logo or call your provider.
  2. Log in to your CommBank NetBank account.
  3. Select the "pay bills" option and choose the account you want to make a payment from.
  4. Enter the BPAY details from your credit card statement. With an ANZ credit card, the biller code is 6007 and the reference is your 16-digit account number.

You can use these steps with any bank or credit card provider. If you prefer, you could also make the BPAY payment from your everyday account by calling the bank and providing the BPAY details.

And if you get a credit card from a different provider, you would just need to enter that provider's BPAY biller code and the reference number.

A handy detail to note: usually the reference number is your account number or the number on the front of your credit card. But it's ideal to look at your credit card statement to make sure these details are correct.

What about other payment options?

Paying your credit card using BPAY is pretty similar to any other transaction you make through your everyday bank account, which makes it a relatively easy switch if you're used to making payments through that account.

It's still worth understanding the other credit card payment options available, so let's take a look at the other common ones:

  • Direct debit. With direct debit (or AutoPay), the payment will be automatically taken from your transaction account each month. Similar to subscriptions for Netflix or the gym, you provide your transaction account details and select payment options, such as the frequency and amount (usually the minimum due, a set amount above that or the full amount).
  • Mail. You can post a cheque (or sometimes a money order) to the credit card provider using the address that's given on your statement. Most statements include a payment slip for you to fill out if you use this option. Keep in mind that you will need to post it with enough time for it to arrive by the due date on your statement.
  • Australia Post. Some credit card providers – including Citi and NAB – also let you pay your bills at Australia Post outlets that offer Bill@Post. You need to present your credit card and a form of payment (such as your debit card). There is a fee for this option, which varies but is usually around $2-$3 per payment.

Most credit cards give you at least three ways to pay your statement, regardless of whether you have other accounts with the same bank or provider. So it's just a matter of choosing the simplest way for you, whether that's BPAY, direct debit or even a cheque.

Ask Finder is a regular column where Finder's expert writers answer your questions. All rates and fees are correct at the time of publication and we only give general advice.

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