How to pay

Card Payments

You can make card payments using My O2. You can store your card details securely in the My O2 Card Wallet, available on the My O2 website and 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.

If you make a payment using our automated 202 service or by Diners Club, your Direct Debit will still be for the full bill amount unless you cancel it. So if you want to pay your bill early, it’s best to do it through My O2 or by calling our customer service team. This way you’ll avoid being charged twice or having to cancel your Direct Debit.

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
• you’re protected by the Direct Debit Guarantee, so your details are secure under the Data Protection Act

If you'd like to set up a Direct Debit, download and send the Direct Debit Mandate or get in touch.

If you’re setting up payments from a business bank account or a bank account requiring more than one signature, you’ll need to send a Direct Debit Mandate. If you want to set up a Direct Debit in a different name, you can either send a Direct Debit Mandate or make the changes over the phone. Bear in mind that we’ll only be able to make changes over the phone if both the O2 account holder and the bank account holder are on the call.

You can manage your Direct Debit in My O2. It’s covered by the Direct Debit Guarantee and can be cancelled any time by O2 or your bank. You won’t be able to change the payment date in My O2. Call us if you want to change the payment date.

If your Direct Debit fails, you can make a card payment through My O2 and we won't try to take the same payment again. Your Direct Debit will still be active – it only cancels if a second month fails.

O2 Refresh

Why do I have two Direct Debits on O2 Refresh?
One Direct Debit is for your Device Plan and the other is for your Airtime Plan – that’s your calls, texts and data. To keep things simple, we take both Direct Debits on the same day. And if you need to change your Direct Debit details or payment date we’ll automatically update both to match. 

How do I make a payment?
If you want to pay your O2 Refresh bill manually, you can do it online or by calling 2729. Don’t forget to make payments for both your Airtime Plan and Device Plan. Get in touch if you want to pay off the rest of your Device Plan.

Do I have to pay my bill by Direct Debit?
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.

Can I pay off my Device Plan early?
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.

Can I pay my device plan by credit card?
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.