Unofficial payment rule guide
Use this Direct Debit checker to compare Direct Debits, standing orders, recurring card payments, utility bills, charity payments, and timing before relying on a bank switch bonus.
No bank account numbers, sort codes, or login details required.
Last updated: 25 May 2026
This Direct Debit checker is independent and unofficial. It explains common public rules only; always verify the bank's current switch offer terms.
A Direct Debit checker helps because UK switch offers often use precise wording, and similar payment types can be treated differently.
A Direct Debit lets an organisation collect money from your account under an instruction, while a standing order is a regular payment you set up yourself.
Some offers care whether Direct Debits are active before the switch date or transferred through CASS, so timing can change the Direct Debit checker result.
Use the Direct Debit checker before you start a switch that depends on payment rules.
Look in your bank app and biller account to see whether the payment is actually listed as a Direct Debit.
Check whether the Direct Debit has collected, is scheduled, or is simply set up but unused.
Some switch offers require transferred Direct Debits, active Direct Debits, selected household Direct Debits, or a minimum count.
The exact wording matters more than the payment's everyday name.
EligibilityHub.uk is an independent, unofficial tool. We do not collect bank login details, account numbers, sort codes, or personal financial identifiers. Results are only guidance based on publicly available terms. Always check the official bank website before applying or switching.
Common Direct Debit checker questions before relying on a payment for a bonus.
No. A standing order is a regular payment you set up. A Direct Debit is collected by an organisation under an instruction.
No. Recurring card payments use card details and are different from Direct Debits.
No. It is guidance only. The bank's switch offer terms decide what counts.
Often yes, but wording varies. Some offers require active Direct Debits or Direct Debits transferred by CASS.
It may count if it is genuinely set up and shown as a Direct Debit, but confirm the bank's offer terms.
No. Do not enter account numbers, sort codes, logins, or personal identifiers.
A Direct Debit checker can help you spot payments that may not count for a switch bonus.
Verify the bank's exact wording before starting CASS.
Unofficial guidance only.