3. Repay your tax credits

The Tax Credit Office will tell you what you owe and how you can repay it - eg by reducing your tax credits.

If you’re asked for a ‘direct payment’ you must usually repay what you owe within 30 days of the ‘notice to pay’.

Call the helpline if you’re finding it hard to repay - you may get more time. You’ll need details of your living expenses, income, investments and savings.

Tax Credit Payment Helpline
0345 302 1429
Monday to Friday, 8am to 8pm
Saturday, 8am to 4pm
Find out about call charges

Direct Debit

Call the helpline to set up a Direct Debit. You can also set it up via your HMRC online account if you already have one (eg you do your Self Assessment tax returns online).

You need your tax credit reference number and bank details. It takes up to 5 working days to set up and payments appear on your statements as ‘HMRC NDDS’.

Online and telephone banking

Use your tax credit reference number as the payment reference and the bank details below.

Sort code Account number Account name
08 32 10 12001039 HMRC Cumbernauld

Overseas accounts

If you’re paying from an overseas account use the details as below. You can pay in sterling or another currency.

Account name IBAN BIC
HMRC Cumbernauld GB74CITI08321012001039 CITIGB2L

If asked for the IBAN, you must also give the BIC.

HMRC’s bank address is: Citi, Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB.

Your bank or building society

Use your payslip to pay at your own bank by cash or cheque made payable to ‘HM Revenue & Customs only’ followed by your tax credit reference number. Allow 3 working days for payments to reach HMRC.

Post Office

You must use your payslip. You can pay by debit card, cash or cheque made payable to ‘Post Office Ltd’. Allow 3 working days for payments to reach HMRC.

Post

Include your payslip and cheque made payable to ‘HM Revenue & Customs only’ followed by your payslip reference number. Allow 3 working days for payments to reach HMRC.

HM Revenue & Customs
Bradford
BD98 1YY

Don’t fold your payslip or cheque or fasten them together. If you want a receipt, include a note asking for one. You can only send a postdated cheque if you have HMRC’s permission.

If you don’t have a payslip

If you don’t have a payslip, include:

  • your contact details
  • your tax credit number
  • how much you’re paying
  • period you’re paying for

It’s your responsibility to make sure payments reach HMRC on time. Check your bank’s transaction limits and processing times.

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