Direct Debit

Do you like to set and forget? 

Direct Debit is a great option and saves you time.

Set up, change or cancel your Direct Debit arrangement now!

You can set up Direct Debit using:

  • a credit card
  • a debit card
  • your bank account.


We only process Direct Debit card payments quarterly.

Payments from your bank account can be quarterly or monthly.

Our financial institution keeps your account details securely. They only use your account to pay your Sydney Water bills.

To ensure your Direct Debit runs smoothly, please:

  • check your nominated account or credit card can accept Direct Debit
  • check you've provided correct account details (contact your financial institution if you're unsure)
  • ensure you have enough funds in your account to cover payments
  • tell us about any changes, such as a new bank account, as soon as possible.
We charge a 0.4% fee for card payments. This covers the processing cost and includes both credit and debit cards. The fee will appear on your next bill.

For an average customer with a bill of $250 each quarter, the fee will be $1.00.
The merchant fees for Diners Club and American Express are higher than for Visa and MasterCard.

We send the debit request to your financial institution on the bill's due date.

If you're paying from your bank account, allow up to two working days for the bank to process your payment.

We issue your bill 21 days before the payment is due. This gives you time to contact us if you have any questions about the charges. Please contact us at least two working days before the due date if you want to change your details or stop your Direct Debit payment.

Change or cancel your Direct Debit arrangement.

Changed details

If your Direct Debit payment fails because of a cancelled card or closed bank account, we'll send a letter advising that we've cancelled your Direct Debit arrangement.

You'll need to register again to reinstate Direct Debit for future payments.

Insufficient funds

If a payment fails due to insufficient funds, we'll send a letter advising that we'll attempt to debit the amount again in seven working days. If you know you won't have enough funds in your account when the bill is due, please call us on 13 20 92.

We need to know at least two working days before the due date so we can change your Direct Debit payment date. If the payment fails twice, we'll cancel your Direct Debit arrangement.

Wrong details

If the card details or bank account can't be verified (because they're wrong or don't exist), we'll send a letter asking you to contact us within 14 working days to verify the details.

If you don't contact us, we'll cancel your Direct Debit arrangement.

We don't charge a late payment or dishonoured payment fee if your payment fails. You may be charged a fee by your financial institution.

If we cancel your Direct Debit arrangement and you don't pay your bill another way, we may charge a late payment fee or interest.
You can either cancel Direct Debit yourself or call us on 13 20 92 at least two working days before your payment is due.

You'll need to register again to reinstate Direct Debit for future payments.