Direct debit

The easiest way to pay your bill on time

Set up a direct debit from your bank account or debit or credit card and you’ll never miss a due date. We’ll process your payment automatically on the due date each quarter – and you don’t have to do a thing. Just set and forget.

We'll redirect you to securely complete your request.

What options are available?

You can set up direct debit using your credit card (Visa or Mastercard), debit card or bank account.

There's a 0.4% fee for all card payments, which is added to your following bill. For an average bill of $250 each quarter, the fee will be about $1. There's no fee if you're paying from your bank account.

If direct debit is not appropriate for you, we have plenty of other payment options.

How does it work?

It's easy. Once we've sent your bill, your payment is due 21 days later. We'll send a request to your selected financial institution to pay the full amount on the due date. If your direct debit is coming from your bank account, your bank may take up to 2 working days to process it.

Once you've registered, you can continue to check your bills so you know what you're paying for, make sure you've got enough funds in your account, and keep us in the loop with any changes like new banking details.

Find out more by reading our Direct debit terms and conditions (91KB).

Need to stop a payment?

Call us on 13 20 92 at least 2 working days before the due date if you want to change your details or stop your payment.

How can I register?

You'll need to have your Sydney Water bill/s or payment number/s and your banking details handy before you start. You can set up automatic payments for up to three properties with each registration. We take our customers’ security very seriously, so we use BPOINT, a secure online payment system, to complete your request. 

Once you've registered, your direct debit arrangement starts immediately. If you didn’t pay your last bill in full, the unpaid amount will be debited the next working day.

Not sure if you owe anything? 


We'll redirect you to securely complete your request

To safely store your details and manage your payments, we use a secure online payment solution called BPOINT provided by the Commonwealth Bank. 


When you register, we'll redirect you to the secure BPOINT site to complete your transaction.

How can I update my details?

You can log in to change your details or cancel direct debit at any time.

If you didn’t originally set up your direct debit online or can't remember the email address you used to register, please call us on 8849 4949 during working hours.

What happens if my payment fails?

Here are a few reasons why your payment may not have gone through.

Your banking details have changed

Maybe you cancelled a card or closed a bank account. If that’s the case, we’ll send you a letter so you know we’ve cancelled your direct debit. You can always register again with your new details.

Insufficient funds in your bank account

If there wasn’t enough money in your nominated account to pay the bill in full, we’ll give it another try in 7 working days. If that doesn’t work, we’ll cancel your direct debit.

If you don’t think you’ll have enough money in your account, call us on 13 20 92 at least 2 working days before your due date. We’ll work something out for you.

Your card or bank details are wrong

If the card details or bank account can't be verified (because they are wrong, have changed or no longer exist), we'll write to you and ask you to contact us within 14 working days so we can sort it out. If we don’t hear from you, we'll cancel your direct debit.

Late and dishonoured payment fees

We don't charge a late payment or dishonoured payment fee if your payment fails, but your financial institution might.

If we cancel your direct debit and you don't pay your bill another way, we may charge a late payment fee or interest. These charges are explained in prices for other services.