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We've noticed some questions keep cropping up. So we've made a list of the 10 we're most frequently asked. Take a look below at the top 10 and you might find the one you’re looking for.
If you've not found the question you were looking for, then
take a look at all the FAQs.
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There is never a good time to tell customers that we are increasing their payments but the minimum payment calculation was changed to ensure that your monthly minimum payment would always cover at least that month’s interest in accordance with the Banking Code.
Any increase in your minimum payment will mean that your balance is reduced faster. By clearing more of your outstanding balance, your subsequent minimum payments will slowly reduce.
If your fixed payment was set lower than the newly calculated minimum payment this will have resulted in an increase. However, as above, what this means is that you should find that your balance is reduced faster.
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There are several different ways to make an additional payment to your Egg Card.
Debit card
You can only make an additional payment by debit card if the debit card is held in your name. Just follow the steps below:
Log in to 'your accounts'.
Select the 'Move money' tab.
You'll then need to select the option to 'Make a one-off payment' and follow the simple on-screen instructions.
If the account you want to pay from isn't already saved in your address book, select 'add' and save the account details there.
Debit card payments will be credited to your account for interest calculation purposes with effect from the date that we receive the payment, which will be up to 2 business days after your payment request.
BACS
You need to arrange this type of payment with your external bank.
The payment needs to be made using the following details: sort code 40-02-50, account number 01071181 and your 16-digit Egg Card number (this is used as a reference). BACS payments take 3-4 business days to reach us. The payment will be credited to your account for interest calculation purposes from the business day on which it is received.
Transfer from an Egg Savings Account
You can do this by selecting the "Move Money" tab and then the "Make a one-off payment" option and follow the simple on-screen instructions.
A transfer from an Egg Savings Account will be credited to your card account for interest calculation purposes with effect from the date the transfer is made.
Cheque
You should make your cheque payable to 'Egg, (Account Holder Name(s)), (Account Number)'. eg Egg, Mr Smith, 12345678 (draw a line through any unused space on the payee line so that no-one can add extra numbers or words).
Send your cheque to Egg Monetary Team, Egg, Riverside Road, Pride Park, Derby, DE99 3GG.
Your payment will be applied to your account when the cheque clears. As we are not a clearing bank, cheques paid into your account can take 7 to 10 working days to clear. The central clearing cycle only applies to cheques paid into most clearing bank accounts (where clearance normally takes three business days). During this period you will not be able to spend against the value of the cheque.
There is a charge of £2 for using this payment method.
If you make an additional payment that's at least equal to your statement balance, and you make that additional payment in the period between your statement date and the date five working days before your next payment date, we won't collect your next Direct Debit payment.
If you make an additional payment that's less than the amount your Direct Debit is due to claim and you make that additional payment in the period between your statement date and the date five working days before your next payment date, we will collect your Direct Debit as normal, but less the amount you have already paid.
Any payment you make to your account in the period five working days before your payment date, and up to the date of your next statement, will reduce the balance of your statement, but will not affect your next Direct Debit payment.
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You can transfer balances from your credit or store cards, loans or overdrafts. Each balance must be a minimum of £100. If you want to transfer two balances of the same amount, please call us on 08451 233 233 to complete the transfers.
Transferring a balance from your other credit providers is easy. You can transfer a balance now online - log in to 'your accounts' and select the 'Move money' tab. You'll then need to select the option to 'Make a balance transfer to your Egg Card' and follow the simple on-screen instructions.
Check out the table below to see the information you'll need to have to hand to make a balance transfer.
| Transfer from: |
What you'll need: |
| Credit, charge or store card |
Card number (found across the middle of the card) |
| Loan |
Sort code, account number, reference/roll number and account name (if known) |
| Overdraft |
Sort code, account number and
reference/roll number (if applicable) and account name |
Remember, you should continue to make your usual repayments to each card, overdraft or loan account until you're sure the transfer has been applied to your account. We will make sure the payment is received by the other bank within 3-4 business days after your request. The time taken to credit your account will depend on the other bank.
- Can I transfer balances from more than one financial provider?
Yes, you can transfer balances from as many other cards, loans or overdrafts as you wish up to your available credit limit.
- Can I transfer balances that my additional cardholder has elsewhere?
Yes, as long as you have sufficient credit available. You'll need to make the transfer on their behalf by following the instructions above.
- Is there a fee for balance transfers?
Yes - there is a 3% balance transfer fee for all balance transfers made in the introductory offer 0% rate period. A balance transfer fee of 2.5% may also be charged on some special promotions you may receive from us from time to time. Please check the details of the special promotion to see if a fee is applicable. We do not charge a balance transfer fee on balance transfers made at your standard variable rate.
- How much can I balance transfer?
You can ask to transfer any amount, as long as it's over £100 and less than 95% of your available credit limit.
Transfer from an Egg Savings Account
You can do this by selecting the "Move Money" tab and then the "Make a one-off payment" option and follow the simple on-screen instructions.
A transfer from an Egg Savings Account will be credited to your card account for interest calculation purposes with effect from the date the transfer is made.
If you make an additional payment that's at least equal to your statement balance, and you make that additional payment in the period between your statement date and the date five working days before your next payment date, we won't collect your next Direct Debit payment.
If you make an additional payment that's less than the amount your Direct Debit is due to claim and you make that additional payment in the period between your statement date and the date five working days before your next payment date, we will collect your Direct Debit as normal, but less the amount you have already paid.
Any payment you make to your account in the period five working days before your payment date, and up to the date of your next statement, will reduce the balance of your statement, but will not affect your next Direct Debit payment.
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Log in to 'your accounts' and the current balance is displayed next to your account under +balance or –balance.
Select the 'view' option and you'll be taken to more details about that account.
Please note: for card and loans customers the balance cannot be used as a settlement/redemption figure as it may not include recent payments or reflect all interest due.
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Activating your card couldn't be easier, just log in to 'your accounts' and we'll take you through a simple process.
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If you have an Egg credit card you can reset your password by selecting
forgotten your password. All other customers can reset their password by calling us on 0845 366 0047, 24 hours a day, 7 days a week. In both cases we will ask you for some details to confirm your identity including details about your Egg accounts. Once complete you'll be able to log in to 'your accounts' straight away.
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Call us straight away on 08451 233 233 where we’re available all day every day.
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Please call us on 08451 233 233. We are open;
Monday to Friday 8am to 8pm
Saturday 9am to 3pm
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Log in to 'your accounts', select the ‘Personal details’ tab at the top of the screen to let us know about any changes to your personal information, such as your address, email or phone number (you only need to tell us once and all your accounts will be updated).
If your name has changed, please write to Egg Account Maintenance, Riverside Road, Pride Park, Derby DE99 3GG.
You'll need to send us a certified copy of your marriage certificate, deed poll document, decree absolute or civil partnership certificate, along with a brief covering letter which includes your old and new signatures.
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Log in to 'your accounts', click on 'view' next to your card and this page displays your credit limit under card details.
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Egg Home > Help > Top ten frequently asked questions > 
