Let’s go for a deep dive into the world of recurring payments! 
So there are three types of recurring payments we’re offering on the Current Accounts - this would be the same as any major bank 
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Direct Debit
Direct debits are created on the originators (the merchant) end - to set this up, you provide your account details (normally account number and sort code) - and they will send through a Direct Debit Instruction, which then gives the merchant the ability to debit your account - without this instruction, any debits will be declined. Once we’ve received a DDI (usually 3 working days after you provided your details to the originator) we’ll show this in the Recurring Payments section of the Spending Tab - the first payment doesn’t need to go through - although we don’t get any information about the amount until the first payment arrives
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Standing Order
A Standing Order would be setup by yourself on the app, you’ll be able to set a frequency of the Payment as well as the amount - the important thing about a Standing Order is that only you can change the amount and date - the person you’re paying has no control over this - unlike a Direct Debit. Like a Direct Debit, we’ll also show this in the Recurring Payments section in the app. Once it’s time for the Standing Order to be sent - this will generate a Faster Payment and send over the network. -
Recurring Card Payment
To setup a recurring Card Payment, you’ll send your Card details to the merchant you wish to pay (for example Netflix) - this then allows them to take the same, or a different amount from your Card at regular intervals - this is also how companies such as Stripe provide their ‘Saved Card’ functionality (so the CVC doesn’t need to be entered each time). We don’t show these in the Recurring Payments section of the app sadly.
If anyone has any questions, I’d be happy to answer, or alternatively, I’ll find someone who can