Payment Options

Your Personal Account

How it works

The most popular way to shop and pay is with an Oxendales.ie Personal Account. Every 28 days we send you a statement and a payment slip.

Some key information shown on your statement:

• Minimum payment and due date
• Payments & refunds
• Orders & Returns
• Current Balance
• Credit limit & available spend
• Interest & Charges
• How to pay

If we open a personal account for you, we will give you a credit limit and tell you how much it is. We will send you a statement every 28 days showing the minimum payment due and the payment due date. You must make at least the minimum payment by the due date unless no payment is due.

Your minimum payment will be 8% of the total cash price of goods and services you order using your account or €5.00, whichever is the greater, plus any outstanding arrears (the “Minimum Payment”). Whenever you buy more goods or services, return goods to us or cancel any services we re-calculate your Minimum Payment which will be 8% of the balance outstanding on your account. You must tell us immediately if anything on your statement is incorrect. You may pay more than the Minimum Payment if you wish to do so.

Representative Example: You are given a credit limit of €350 and then use your new account to buy a single item for €100 which you repay in full over 52 weeks, the total amount repayable will be €122.42

We may vary the borrowing rate for any of the reasons described below and we will notify you of the variation, but we will not increase it above a maximum of 46.9% APR. If we increase the borrowing rate and you do not wish to accept the new rate, you may pay off your existing balance at the old rate over a reasonable period.

In addition to our rights to vary the credit limit and borrowing rate described above, we reserve the right to vary this agreement at any time to reflect changes in relevant laws, changes in our systems capabilities, changes in market conditions affecting our business and new developments in the market place. Where the change is material or is to a fundamental term of this agreement we will give you 30 days prior written notice of the change. You will have the opportunity to terminate this agreement if you are unhappy with the variation.
If we do not hear from you before the change comes into effect, we will take that to mean you have accepted the change.

Right of Refusal

Please note that Oxendale & Co. Limited t/a Oxendales, Jacamo & Simply Be reserve the right to refuse new customers’ orders for certain goods (eg. electrical products, computers and computer games) until new customers have built up an appropriate trading history with us. Your order may be refused even after you sign up for a credit account. It is within our sole discretion to refuse any order, or part of it, as we see fit.

Warning: This is high-cost credit. Consider alternative options before applying for this credit, including alternatives from other lenders regulated by the Central Bank of Ireland.

Repayment difficulties

If, at any time, you have problems keeping up with your repayments or you are worried that you might have a problem keeping up with your repayments then you can contact us on 1800 818890 or email us at FinancialServices@oxendales.ie and we will help you work out a payment plan to suit your situation.

Additionally, the Money Advice & Budgeting Services (MABS) is a national free, confidential and independent credit counselling service. Their number is 0818 07 2000 and their website is www.mabs.ie.

How to pay

For all payments please allow 7 days for processing

Online with us, at www.simplybe.ie

The easiest way to pay into your Oxendales Account is to do it online via our website. As you know, it's open 24 hours a day, and 7 days a week.
To use this website to make a payment into your account, go to ‘My Account’ and select ‘Account Balance and Payment’. Your balance will be displayed, and you will be asked to select whether you are using a credit or debit card.
Please enter all the required details carefully - you will be asked to confirm the amount that you have entered to ensure that you have not made a mistake. Alternatively you can select a card you have previously chosen to save. This can be managed in your ‘Manage Your Card Details’. This allows you to securely store up to 20 cards.

The card details and amount that you enter will then be sent via a secure link to your card provider who will authorise the transaction.
A confirmation screen will be displayed. If there has been any delay in the response from your card provider, the confirmation screen will explain that we will keep trying to contact them and will update your balance once the payment has been authorised (this can take up to 3 days).

N.B. when placing an order with a debit card the bank will pre-authorise the full amount. However, in the case of multiple purchases your account will be debited for each item individually. This can result in the original pre-authorisation being held by the bank between 3 to 10 days. This is not therefore a situation where a customer is charged twice for the same thing but rather that the monies are not released and are inaccessible. This is outside Oxendales’ direct control.

Online Banking

Customers may also pay by 24 hour banking, contact your bank to set up and quote your personal customer number. Our details are:
IBAN: IE60AIBK93220546109044
BIC: AIBKIE2D.

Cheque or Postal Order

Make the cheque payable to ‘Oxendale & Co. Limited’. Write your Personal Customer Number on the back of the cheque and send it to us with your completed Payment Slip. (Please post and allow at least 7 days for your payment to be delivered and processed.)

If you wish to pay by postal order please make it payable to Oxendales and cross it “& Co”. Then send it along to us with your completed Payment Slip

Our SMS Service

We will send you an SMS each statement period to confirm your statement is available and also a handy link to make your payment. Simply click on the link, confirm your details and enter your card details. We will then confirm that we have received your payment by SMS.

Bill Pay or Post Point

You can pay by Bill Pay. Simply go to the Post Office with your Oxendales payment slip and request payment by the Billpay Service.
To pay by Post Point, take your payment slip to your local Post Point outlet.

Pay Zone

You can now pay your account in any Payzone outlet which includes convenience stores and petrol stations. There is no charge for this service. Click this link to the agent finder on the Payzone website to find your closest outlet.

Credit Card or Debit Card

Call us on 01 8300 600 (option 2) and we can take your card details over the phone and process your payment.

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