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Rank 1
February 1, 2018
Solved

Why such a large increase to my recommended Direct Debit?

  • February 1, 2018
  • 103 replies
  • 11823 views

I find it hilarious that OVO advises me to increase my direct debit from £85 to £160+. A month on a two up two down townhouse when I switched because they were cheaper than my previous supplier. 🤣🤣🤣🤣. Don’t they realise I will simply switch back ⬅️. Lol

 

Best answer by Transparent

Updated 18/08/25 by Abby_OVO

 

How do Direct Debits work?

 

A Direct Debit is an automatic monthly payment set up with your bank or building society. It means you can choose which day you want the payment to go out each month, and your bank will sort the rest.

 

Once a Direct Debit is set up, you don’t need to do anything else. It’s often the best way to make regular payments, such as your energy bill.

 

How we work out your Direct Debit amount

 

The aim is to make sure you have credit for 1 month’s payment in your OVO account by the end of March. This is to help cover any change in your home energy use over the course of the year. 

 

For new customers, this only comes into effect once you’ve reached March. When you first join, the aim is to make sure you have no balance left to pay after 1 year.

 

How we check you’re paying the right amount

 

Your Direct Debit payment amount will be regularly reviewed to make sure it still covers your home’s energy use. We’ll let you know if your Direct Debit amount needs to change to keep your energy account balance up to date.

 

Why is my Direct Debit increasing when my balance is in credit?

 

It’s normal for a credit balance to build up in your energy account over summer, when energy use is usually lower. This credit can help pay for your energy in winter, when most homes use more. It helps you spread your energy costs over time. 

 

Even if your energy account is in credit, sometimes your Direct Debit payments still need to increase.

 

This could be the case if we’ve worked out that your OVO account is likely to have a debt balance long term – based on how much energy your home is predicted to use. 

 

You can always choose to get a credit refund if you prefer. Request one at any time in your online account, in our app, or over the phone. You just need to leave credit in there for 1 month’s payment. This is in line with our refund policy.

 

Useful to know It’s important you have all the info, then you can decide what’s best for you;

  • If you request a refund online, sometimes we’ll need to confirm this over the phone. This is to make sure you have the details of how it’ll affect your energy account.

  • Getting a refund might mean your Direct Debit payments will need to increase, once your account has less credit in it.

 

 

Is there any support available if I’m struggling to pay for my energy?

 

If you’re worried about your payments changing or you can’t afford them, please speak to our team. We can make sure you get financial support that’s tailored to you and your situation. There are many options available for anyone who needs help. To get in touch with our team: 

  • Sign up to our payment support tool and we can find the best plan for you.

  • Call us on 0800 408 6615. We’re here Monday to Friday, 9am and 5pm, and 9am to 2pm on Saturday. 

  • Talk to us online Monday to Friday, 8am to 6pm, and 9am to 2pm on Saturday.

 

 

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103 replies

Rank 6
July 17, 2025

Or I might just move to octopus who do variable dd's as it's really getting on my nerves. 

Variable DDs can have problems as well, worth googling before you decide which way you're going to go.

Peter E
Super User
Super User
July 17, 2025

As an Octopus customer (formerly OVO) it is frustrating to see OVO cutomers having issues with their DDs when I can set my DD to any level and nobody cares. I currently set it below the ‘annual rate’ and take the opportunity in September and March to manually add the amount necessary  to keep it in credit in March. It means I never have too much in my account so I never have to ask for a refund 

 

I've posted this to challenge OVO to rethink their DD policy when it clearly doesn't take into account all the factors that affect the balance. This causes real problems for people. You need to do better. You can do better.

 

Peter 

 

Reducing my yearly fossil fuel usage with an EV (-900 litres petrol), A2AHP (-8,700 kWh gas) and Timed Immersion heater (-1,500 kWh gas)
Rank 5
July 17, 2025

Yep! As I said I'm currently paying around £40 a month more than I use and yet they put the DD up AGAIN!!!! So now it's £165 a month and on average we use around £115 and I'm £440 in credit! By my calculations I'll be around £800 in credit in March, ovos calculation I'll be £140!!! Utter joke 😂

Emmanuelle_OVO
Retired Moderator
Retired Moderator
July 18, 2025

Hey ​@fancyabrew,
 

I understand your frustration, 

 

We have made the change to build one month's usage credit by the end of the winter period on our customers accounts. This credit will help to cover any changes to your energy usage or costs throughout the year leading to a smoother payment journey. Your Direct Debit is managed to ensure that you do not build too much credit on your account and also ensures your account does not fall into arrears should anything change with your usage. If you do build more credit on your account than is needed, we will recommend you reduce your payments or alternatively, you can request a refund at any time Our recommended Direct Debit amount is a suggested amount to ensure you pay for your predicted energy and don't end up with any debt or too much credit by the end of the Winter period. Your energy costs may go up or down throughout the year and we want to support you with those changes. Paying by Direct Debit helps to spread those costs so you don't end up with large bills to pay, and paying by Direct Debit is one of the cheapest ways to pay. 
 


Hope this helps.

Renewable Energy? Big Fan.
Rank 5
July 18, 2025

I raised a complaint and it has now been sorted. DD reduced back to £136 a month and a £200 refund. And my account will be excluded from DD recalculations. Accounts with credits like charge anytime really don't fit into the standard DD calculation model!

Newcomer
August 4, 2025

I pay a fixed £98 bill each month and I get charged an additional £51 each month why?

Blastoise186
Super User
Super User
August 4, 2025

Hi ​@Van ,

Sorry but we can’t answer that here without further context - the OVO Forum can’t access your account.

Pleas show us your bill with ALL personal info redacted

Securing energy by zapping security bugs... For that is The Blastoise Way! Remember, I'm just like you - AI Powered Evil Geniuses aren't Staff!
Rank 2
August 4, 2025

What is written in your bill? How does it explain the additional £51? Is it a separate bill? Is it for the same meter? 

Rank 6
August 4, 2025

Would need see your bill to check why you have additional charge

Has it only just happened this month?

Wibbly Wobbly Hypermobile - EDS’er
Newcomer
August 4, 2025

Would need see your bill to check why you have additional charge

Has it only just happened this month?

they set up a direct debit of £51 on the 1st of the month and £98 on the 3rd of the month 🥴I switched from top up smart meter to get the bill every month 2 month ago