Direct Debits on Weekends


#1

Hi still getting use to Starling but I can’t find the answer to this one if you have a direct debt due out over week -end or monday when does the money drop from the account does it all go out on the monday and if i go over my overdraft limit have i got time to get to transfer money in before the direct debt is returned unpaid


#2

Direct debits are first attempted around 00:30. If you don’t have enough money, starling send a push notification to advise you to fund the account before 4pm if you want to make a payment. These notifications are sent in the morning so they don’t wake you up!
Scheduled payments (standing orders) are first attempted at 01:00, again they notify at a sociable hour if you have insufficient funds, and then will make the payment if you transfer money into the account before the end of the day
Scheduled faster payments work 7 days. The BACS scheme for direct debits and credits only processes payments on working days so will you not receive or pay these at weekends.


#3

Thanks for this info, @Gallifreyangirl; I didn’t know that. Can you advise how the notifications are sent? Push notification? Email?


#4

All Starling notifications are push ones to your phone.


#5

And, just for clarity, any DD that do fall on a weekend (or bank holiday) will be taken on the NEXT working day (not the previous one). So, if you had a DD due out on the 1st of the month - but that was a Saturday on a bank holiday weekend, it’ll actually come out on the following Tuesday (4th of the month) rather than the Friday before.