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Best answer by Blastoise186

Updated on 31/08/26 by Abby_OVO

 

Hi ​@Graham781 ,

Depends on how you pay!

  • Credit/Debit Card payments usually show up within one hour of the payment being made
  • Direct Debit normally shows up within 24 hours of payment being collected
  • Bank transfers may take up to five working days due to manual processing
  • Cheques may take up to 10 working days in some cases - depending on how slow the postie is
  • PayPoint/Payzone/Post Office managed transactions may take 3 working days to go through the system

If you want the fastest processing time, you should consider Credit/Debit Card or Direct.

 

Blastoise186 left some very helpful advice here, please also bare in mind that, when a payment is made before or on the weekend, this can often cause a delay with it showing on your account:

 

12 replies

Blastoise186
Super User
Blastoise186Super UserBest Answer
Super User
July 25, 2025

Updated on 31/08/26 by Abby_OVO

 

Hi ​@Graham781 ,

Depends on how you pay!

  • Credit/Debit Card payments usually show up within one hour of the payment being made
  • Direct Debit normally shows up within 24 hours of payment being collected
  • Bank transfers may take up to five working days due to manual processing
  • Cheques may take up to 10 working days in some cases - depending on how slow the postie is
  • PayPoint/Payzone/Post Office managed transactions may take 3 working days to go through the system

If you want the fastest processing time, you should consider Credit/Debit Card or Direct.

 

Blastoise186 left some very helpful advice here, please also bare in mind that, when a payment is made before or on the weekend, this can often cause a delay with it showing on your account:

 

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Ben_OVO
Community Manager
Ben_OVO
Community Manager
July 28, 2025

Hi ​@Graham781 and welcome to the OVO Forum!

 

I can see ​@Blastoise186 has given some great info here. Has the payment come through yet? Bare in mind that, when a payment is made before or on the weekend, this can often cause a delay with it showing on your account.

 

 

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Ellzy01
Newcomer
January 10, 2026

I had a default of £1,775.85. I paid that today in full by bank transfer. When will that be updated to 0 balance and settled? I'm in hospital and never check my credit file until recently, so I'm paying my defaults off.

Rank 12
Bendog
Rank 12
January 11, 2026

I would hope that it would show that you have made this payment by the end of tomorrow (Monday). However, remember that standing charges will still be added daily to your account as well as any usage charges for things like fridges and freezers. Having a totally zero balance is almost impossible.

    Newcomer
    Ellzy01
    Newcomer
    January 11, 2026

    The account is closed. I so happened to check my credit file and it said I owe £1,775, which I paid in full. I'm in hospital so I'm not at that address they have. I thought it would update to settled in 10-15 days? If it's by Monday, that's great.

    Nukecad
    Super User
    NukecadSuper User
    Super User
    January 11, 2026

    It doesn't work like that with credit records.

    Once the Credit File company have been informed by OVO that the debt has now been cleared then it can take them a month or two to change your current credit status to show that it's been paid off.

    However the fact that there was a debt will stay on your credit record for 6 years.

    See “How long does a default stay on your credit record” here:-

    https://www.experian.co.uk/consumer/guides/defaults.html

    I said, Hey - Watts going on.
      Newcomer
      Ellzy01
      Newcomer
      January 11, 2026

      I've come to realise the default will stay the for 6 years then drop off, but providers want it settled. I just want it to say settled and that's fine with me.

      Ben_OVO
      Community Manager
      Ben_OVO
      Community Manager
      January 12, 2026

      ​@Ellzy01 thanks for your post. I can see ​@Nukecad and ​@Bendog have come through with some helpful answers for you here.

       

      The account balance should be updated within the next couple of days if it hasn’t been already.

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      Newcomer
      Ellzy01
      Newcomer
      January 14, 2026

      It still says bill pending in yellow when it's been paid ​@Ben_OVO 

      Newcomer
      Ellzy01
      Newcomer
      January 14, 2026

      I would hope that it would show that you have made this payment by the end of tomorrow (Monday). However, remember that standing charges will still be added daily to your account as well as any usage charges for things like fridges and freezers. Having a totally zero balance is almost impossible.

      They've changed my email as I don't have access to the old one and can see they have updated £1.775 as 0 balance

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