Direct debit payment options

More about direct debits

  • When setting up a fortnightly or monthly direct debit, you will need to nominate an amount to pay. Use your previous Unitywater bills to calculate a sufficient payment amount.

  • If your direct debit amount does not cover the full amount due on your bill when it arrives, simply pay the balance on time to avoid accruing interest. Keep an eye on this and make any adjustments to your direct debit amount if you need to.

  • Make sure you start a direct debit arrangement when you have a minimal amount owing (e.g. straight after you have paid your bill in full). Otherwise you may set up a direct debit and risk not having enough payments processed to cover your next bill. An easy way to do this is to wait for your bill to arrive as normal, pay it and then set up a direct debit to prepare for the next bill.

Please note: If your monthly or fortnightly direct debit payments are not enough to cover the full amount due AND you do not pay the balance by the due date, you will receive a Reminder Notice and be charged interest of 11% per annum, compounding daily, on the overdue amount.

  1. Log in or register for My Account.

  2. Go to the 'My Payments' tab.

  3. Under 'Payment Options', find the Direct Debit option and click on the orange 'Set up now' button.  

  4. Follow the instructions.

  1. Login to My Account

  2. Go to the 'My Payments' page.

  3. Click on the orange 'Change' button in the 'Direct Debit details' box.

  4. Then click on the orange 'Change payment plan' button in the pop up window.

  5. You will be prompted to go through the process of setting up your Direct Debit payments by credit card again - please remember to add your new expiry date.

Please note: If you have an overdue amount of more than $20 owing on your bill, you will need to pay this first before you can continue with your online setup of Direct Debit in My Account. 

If you need help with the steps above, please call our Customer Service team on 1300 086 489 on weekdays from 8.30am - 5pm. 

Once your direct debit is processed, we will send you a confirmation letter to advise you of the start date of your payments, and to confirm your nominated amount.

You can also see confirmation of your direct debit arrangement on the first page of your bill (just above the total amount due) and in My Account.

Your direct debit payments will be listed on Page 2 of your Bill and in My Account.

If you have submitted a direct debit request online or via a request form, but you have not received a confirmation letter or a notification on your bill, please contact us.

  Direct debit Smoothpay
Payment frequency options Fortnightly, monthly, balance on due date Fortnightly, monthly
Payment amount  You decide the amount for your fortnightly and monthly repayments or choose to pay the full amount on the due date.  Unitywater will calculate your payment amount based on your last 12 month's of billing history. 
To set up, can I have an overdue amount on my account? You must have less than $20.00 overdue to set up a direct debit.  You must have less than $500.00 overdue to set up Smoothpay. 
Will I be charged interest? If your monthly or fortnightly direct debit payments are not sufficient to cover the full amount due on your bill, you will be required to pay the balance by the due date; otherwise you will receive a Reminder Notice and be charged interest of 11% per annum, compounding daily, on the overdue amount.  Interest is not charged on any overdue amounts. If your total payments are less than your actual charges, these charges will be included in the Smoothpay calculation for the next 12-month period.                                                                                                                                                                             

Go paperless - get your bills sent by email or SMS 

Even out your payments with Smoothpay

Understand the charges on your bill

Is your credit card expiring soon?

Please make sure you update your new credit card details online in My Account 

Update your card expiry