Paying by direct debit

How do I pay

You can use any accepted card, savings or cheque account to make a direct debit payment. Gift cards can't be used for ongoing direct debit payments (only an immediate payment). You will need to use the same account/card for all vehicles you have enrolled in direct debit.

You can set up your payment method when you enrol or when you change your details. Your payment date can't be selected as it depends on the date when your registration is due for renewal.

Payment reminder

We will send an email to remind you of the upcoming payment approximately 3 days before your payment is taken. The email will let you know the payment date, amount due and registration number.

When a payment is made

Your direct debit payment will occur approximately 14 days before the expiry of your registration (this could change due to weekends, public holidays and the processing time of your financial institution).

It can take several business days for banks to process direct debit payments and advise of unsuccessful payments.

Your payment date allows enough time to avoid the risk of you becoming unregistered, and gives you enough time to pay your registration renewal using another payment method if your direct debit is unsuccessful for any reason.

Immediate payments

If you enrol in direct debit and add a vehicle that has a registration due to expire in the next 18 days, it is too late for a direct debit payment to be arranged but you can make an immediate payment online to renew your registration.

Please note, an immediate payment is a one-off online payment, once this payment has been made, your future registration renewals will be made by direct debit.

If an immediate payment is needed, you will be prompted to make this payment during your enrolment process.

How to make an immediate payment once you have left the enrolment process

If you are unable to make an immediate payment during your enrolment in direct debit, you will need to:

  1. Use the renew registration online service
  2. Select the option: Pay using your registration number
  3. Pay with your credit/debit card.

We will receive your payment immediately and your registration will remain covered by CTP insurance.

Watch a video on how to make an immediate payment using your registration number.

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When a payment is unsuccessful

A payment will be declined if:

  • there were not enough funds in your account
  • the nominated account is no longer valid
  • a certificate of inspection is due
  • the registration renewal payment has already been paid.

We'll email and SMS you when a payment has been unsuccessful, and let you know other ways you to pay your registration.

If you receive reminders by email, we will send you an email:

  • 3 days prior to your registration expiry
  • on the final day of your registration
  • 7 days after the expiry date if your payment fails.

If your registration has been expired for 25 days or more, you will be sent an email advising the registration has been removed from the direct debit service and you will instead have to pay a 6 or 12-month renewal.

Making a payment after an unsuccessful payment

When a direct debit payment fails, and a renewal payment is made before the registration expires, the total amount due will be the same.

When you renew for a 3, 6 or 12-month registration period after a registration has expired a late fee will be charged in addition to the renewal amount.

When you renew for a 1-month registration period after a registration has expired a late payment or catch-up payment may need to be made.

Cost of direct debit

The Department of Transport and Main Roads does not charge a fee to use the direct debit service.

Check with your financial institution about any fees your financial institution may charge for direct debit payments.

A surcharge applies if you use a card to pay your registration renewal by direct debit.

Surcharge for shorter registration periods

Registrations renewed for periods less than 12 months are subject to a surcharge. This surcharge covers the additional cost of administering multiple renewals each year. This surcharge for shorter registrations periods applies regardless of payment method.

Get a free quote for registration for a 1, 3, 6 or 12 month period.