Can I access Bills Protection whenever I want?

Bills Protection is designed to offer help only when you really need it. This helps you avoid using credit unnecessarily, as high credit utilisation can have a negative impact on your credit score. 

Funds will only be offered when all of the following conditions are met:

1. We have determined that Bills Protection is affordable for you.
2. We have detected at least 1 eligible bill in your transactions.
3. Your bank balance is not enough to cover the full bill, 1-2 days before its predicted due date.

To help you stay in control of your finances and maintain a healthy utilisation:

1. We will set a personalised withdrawal limit based on what’s affordable for you, according to your current financial circumstances. This ensures you can access support without putting unnecessary strain on your budget.
2. We will only offer the amount you need to help cover your eligible bill. For example, if you have £10 in your bank account and an upcoming £25 bill, we will offer £15. This is just enough to cover the shortfall, even if your withdrawal limit is higher. 

3. We will only offer funds 1-2 days before the predicted due date of the eligible bill. For example, if the eligible bill is predicted to be due on 4 January, we will only offer funds on either 2 or 3 January, provided your bank balance is insufficient. You will see the predicted due date of your bills in the Bills section of the Pave app.