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Can you pay a credit card with cash?

Can you pay a credit card with cash?
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There are a number of ways to pay a credit card bill, but can you pay a credit card with cash? Well, it depends on your bank or credit card provider’s policy.

Here’s what you need to know. 

Can you pay a credit card with cash?

The first thing you need to do is check your card provider’s policy. You’ll often find this policy:

  • On your credit card statement
  • In your contract or credit card agreement
  • Online on your provider’s website

If you plan on paying credit card bills with cash, it’s a good idea to get paper statements. This is because you might need to fill out a slip that’s attached to your paper bill.

Some providers, like American Express, don’t let paperless customers pay credit cards with cash.

Other banks might refuse cash payments for credit card bills due to their own money laundering and fraud policies. So, if making cash payments is important to you, check out the provider’s payment policy before applying for a card. 

Want to make a cash payment? It’s simple. All you need to do is visit your local bank and take your credit card and completed payment slip with you. You can’t send cash payments through the post.

Can you pay a credit card with cash every month?

Yes, you can usually do this if your bank allows cash repayments.

Other ways to pay your credit card bill 

Just because it’s possible to pay your credit card with cash doesn’t mean it’s the best option. So, how else can you pay your credit card bill?

Direct debit (DD)

The easiest way to pay your credit card bill each month is by setting up a direct debit. You don’t need to worry about remembering your monthly repayments – they happen automatically. 

With direct debit, each month you can pay:

  • In full
  • The minimum monthly repayment
  • A fixed percentage of your monthly balance (which will always be at least the minimum repayment)

You always need to pay at least the minimum monthly repayment, but some people find it easier to clear their balance every month. Think about what you can afford and what you can commit to. You can always amend your direct debit if your circumstances change. 

You can usually set up a direct debit online or over the telephone. Remember to check the due date so you always have enough money in your account to cover the direct debit.

If you’re ever struggling to pay your credit card debt or make your monthly repayments, contact your provider in the first instance.  

Debit card

You can make a credit card repayment with your debit card, if this is convenient for you. This might be an option if you’re not eligible for online banking and don’t want to make direct debit payments. 

To pay using your debit card:

  • Pay in person at the bank 
  • Call your bank’s credit card telephone number and pay over the phone


You can pay your credit card bill through online banking, or a banking app, if you:

  • Have a credit card account and a bank account at the same bank (e.g. you have a Halifax credit card and Halifax current account)
  • Register for online banking  

Online banking lets you make a payment straight from your bank account to your credit card in just a few simple steps.

By cheque 

Some people prefer to pay their credit card bill by cheque each month. You can either:

  • Send the cheque by post – check with your bank for the right address
  • Pay by cheque in your local branch

Remember that cheques can take up to seven working days to process. Don’t leave it too late for your payment to clear.  


So, can you pay a credit card with cash? Yes, if it’s in your issuer’s policy, you don’t want to set up a direct debit and you don’t have a chequebook.

However, it’s not always the best or most convenient option.

If you do plan on using cash to make credit card payments, always allow at least 2-3 days for the payment to clear. Although many banks process cash payments within a few hours, it’s best to make your payment as soon as possible.

One final thing: if you’re making one-off cash payments, remember to do this every month. Missed credit card repayments may affect your credit score

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