Direct Debit
The easiest way to pay your bill is by Direct Debit:
it’s quick and easy to set up – you won’t have to post a cheque or call us
it’s automated, so you’re unlikely to miss a payment
you can choose a monthly payment date
the Direct Debit Guarantee protects you, so your details are secure under the Data Protection Act
If you’d like to set up a Direct Debit, update your Direct Debit payment date or account, you can do this in My O2. Your Direct Debit can be cancelled anytime by O2 or your bank.
If you want to set up a Direct Debit for an account in two names, you will need to complete a Direct Debit Mandate and send this back to us.
When you set up a Direct Debit with us, we'll send confirmation of this agreement within three working days.
All Direct Debits are protected by a guarantee, which you can read in your confirmation communication. You can find it here if you'd like to read it now
If your payment is leaving your Direct Debit account within the next 3 days of your payment due date, we are unable to change the direct debit payment date in time for this bill. However, your change to payment date will be applied to all future bills.
You can change your direct debit date using the pre-defined date ranges of 1-7, 8-14, 15-21, 22-28 of the month. It is always best to select the date range from when funds are in your account from day one of the date range, as payment could be taken anytime in between the date range.
You are limited to making 1 change to your direct debit payment date every 3 months.
You can change your Direct Debit Account but not your payment date if a payment is outstanding.
If a payment is outstanding and you change your Direct Debit account details, the payment date will remain the same as your previous Direct Debit. You will be able to change the date after this.
If a payment is not outstanding, you can change both Direct Debit Account details and payment date.
Card Payments
You can make card payments at any time using My O2. You can store your card details securely in the My O2 Card Wallet, available online in My O2 and on the My O2 app. You can edit your card details whenever you want. Just tap 'Manage Payment Card'.
If you make a payment when you have an active Direct Debit that’s due in two or more working days, the Direct Debit amount will be changed to reflect your payment. If your active Direct Debit is due in less than two working days, it’ll still be for the full bill amount – your extra payment will be added as credit onto your next bill instead.
O2 Refresh
You might have noticed that you previously had two Direct Debits, but to make things simpler for you we’ve made some changes to our system. You’ll now have one Direct Debit which will cover both your Airtime Plan and Device Plan payments.
No, but we recommend you always pay your bill on time and by Direct Debit as any late payments can seriously affect your credit score. Struggling to meet payments? Learn how we can offer payment support.
If you want to pay your O2 Refresh bill manually, you can do it through My O2. Don’t forget to make payments for both your Airtime Plan and Device Plan.
Yes. You can make one-off payments whenever you like. This will reduce the amount you pay for your Device Plan every month, but it won’t reduce the overall term. Get in touch if you want to pay off the rest of your Device Plan.
Yes. Just bear in mind that you might be charged interest for credit card payments.
If you don’t pay your bill within 14 days, your account will be restricted. Once a payment is made, any restrictions will be removed within 24 hours. If you’re still having problems, try restarting your device. If you're on O2 Refresh and want to pay off the rest of your Device Plan, give us a call.
Last updated: 03/02/2025
