Bank statement charge
What is HMRC NDDS on my bank statement?
Who charged you
HM Revenue & Customs HMRC Direct Debits for tax and payment plans
HMRC NDDS is a Direct Debit to HM Revenue & Customs, collected through its National Direct Debit System. It is usually your own tax: a Self Assessment or Corporation Tax payment set up in your HMRC online account, a Budget Payment Plan or payment plan instalment, or repayment of an overpayment.
How it can show on a statement
HMRC NDDSHMRC SDDSHMRC NI-DD
Find out what it was
- 1
Sign in to your HMRC online account and open the Direct Debit section, where single payments and Budget Payment Plans are set up, to see what was arranged.
- 2
Check your Self Assessment or Corporation Tax statement in the online account for a payment received around that date.
- 3
Match the date with a deadline: Self Assessment payments are due by 31 January and 31 July, and a first Direct Debit takes about 5 working days to process.
- 4
Search your inbox and post for HMRC letters about a payment plan, an overpayment or a Direct Debit, which give the amounts and dates.
- 5
If an accountant or someone else in the household deals with tax, ask whether they set up a payment from this account.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to HM Revenue & Customs, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “HMRC NDDS”?
NDDS stands for National Direct Debit System, the HMRC system that collects single Direct Debit payments and payment plans. The statement shows the system, not the tax, so a Self Assessment bill, a Corporation Tax payment and a payment plan instalment all look the same in your banking app. The payment reference used when the Direct Debit was set up is what ties it to one tax.
Other HMRC Direct Debits use other names. Employer PAYE Direct Debits, which HMRC collects based on the amount in your payroll return, show as HMRC SDDS, and so do Direct Debits for employers' Class 1A National Insurance and some business duties, such as Alcohol Duty, Plastic Packaging Tax and the Soft Drinks Industry Levy. Regular voluntary Class 2 or Class 3 National Insurance Direct Debits show as HMRC NI-DD. VAT Direct Debits run through a separate system.
Why you might see this charge
- A single Self Assessment payment set up in your HMRC online account, for example for the 31 January deadline or a payment on account.
- A weekly or monthly Budget Payment Plan that builds up money towards your next Self Assessment bill.
- An instalment of a payment plan for tax you could not pay in one go.
- A Corporation Tax payment for a limited company you run, set up as a Direct Debit in the company's HMRC online account.
- Repayment of a tax credits or Child Benefit overpayment, collected as a Direct Debit agreed with HMRC.
Is HMRC NDDS legit?
Yes. HMRC NDDS is HM Revenue & Customs collecting a Direct Debit that was set up in an HMRC online account or agreed with HMRC, and the money goes against a tax bill, a payment plan or an overpayment. In most cases it is the account holder's own tax.
HMRC warns about texts, emails and calls that use its name to offer a tax refund, rush you or ask you to transfer money. A real HMRC NDDS payment matches a Direct Debit set up in your HMRC online account or a letter from HMRC, so check it against those, never through a link in a message.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| PAYMENTUS.COM | Paymentus | Paymentus is Paymentus, the company that runs online and automated bill payments for many utilities, cities, insurers… |
| H3G | Three | H3G is Three, the UK mobile network, whose company name is Hutchison 3G UK Limited. |
| VIOC | Valvoline | VIOC is Valvoline Instant Oil Change, the quick oil change chain where you stay in your car while it is serviced. |
| AWP P&C SA | Allianz | AWP P&C SA is the Allianz Partners insurer behind Allianz Assistance and many policies sold under other brands. |
| HOME INSURANCE LBIS | Lloyds Bank | HOME INSURANCE LBIS is Lloyds Bank Insurance Services, the Lloyds Banking Group company behind Lloyds Bank, Halifax… |
| DOXO* | doxo | DOXO* or DOX* before a company's name means a bill was paid through doxo, an independent bill pay service, not… |
| HERTZ TOLL | Hertz | HERTZ TOLL is PlatePass, the toll program in Hertz, Dollar and Thrifty rental cars. |
| ERAC TOLL | Enterprise Rent-A-Car | ERAC TOLL is Enterprise Rent-A-Car's toll program, which also handles National and Alamo rentals. |
Questions about HMRC NDDS
What does HMRC NDDS mean?
NDDS stands for National Direct Debit System, the HMRC system that collects single Direct Debit payments and payment plans. HMRC NDDS on a statement means a Direct Debit paid to HM Revenue & Customs.
What is an HMRC NDDS payment for?
Usually Self Assessment (a single payment or a Budget Payment Plan), Corporation Tax, an instalment of a payment plan for tax owed, or repaying a tax credits or Child Benefit overpayment. Your HMRC online account or HMRC's letters show which one it is.
What is the difference between HMRC NDDS and HMRC SDDS?
HMRC SDDS is the name on Direct Debits that HMRC collects for employers' PAYE, based on the payroll return and announced at least 3 working days before. Employers' Class 1A National Insurance and some business duties, such as Alcohol Duty, show as HMRC SDDS too. HMRC NDDS covers single payments and payment plans, and regular voluntary National Insurance Direct Debits show as HMRC NI-DD.
How long does a first HMRC NDDS payment take?
HMRC asks you to allow 5 working days the first time you set up a Direct Debit, and 3 working days for later payments from the same bank account. That is why the line can appear a few days after you arranged the payment.
What if I did not agree to an HMRC NDDS payment?
Check your HMRC online account first: most HMRC NDDS payments are tax that is owed. If HMRC took a payment nobody set up, took the wrong amount or kept collecting after a plan ended, file a complaint on Complain.biz. We write it with you and send it to HM Revenue & Customs, so you do not have to chase it yourself.
Based on
- GOV.UK: Pay your Corporation Tax bill by Direct Debit (shows as HMRC NDDS)
- GOV.UK: How to repay your tax credits (Direct Debit shows as HMRC NDDS)
- GOV.UK: Repay Child Benefit overpayments (Direct Debit shows as HMRC NDDS)
- HMRC Debt Management and Banking Manual DMBM200210: direct debit (National Direct Debit System)
- GOV.UK: Pay your Self Assessment tax bill by Direct Debit
- GOV.UK: Pay your Self Assessment tax bill weekly or monthly (Budget Payment Plan)
- GOV.UK: Pay employers' PAYE by Direct Debit (shows as HMRC SDDS)
- GOV.UK: Pay voluntary Class 2 National Insurance by Direct Debit (shows as HMRC NI-DD)
- GOV.UK: Pay voluntary Class 3 National Insurance by Direct Debit (shows as HMRC NI-DD)
- GOV.UK: Pay employers' Class 1A National Insurance by Direct Debit (shows as HMRC SDDS)
- GOV.UK: Pay Alcohol Duty (Direct Debit shows as HMRC SDDS)
- GOV.UK: Pay Plastic Packaging Tax (Direct Debit shows as HMRC SDDS)
- HMRC Self Assessment Manual SAM101370: Budget Payment Plans on the National Direct Debit System
- GOV.UK: Identify tax scams by phone, text, email or social media