Frequently asked questions about finance and payments

On this page you'll find answers to a number of questions that our students ask about finance, including tuition fee payment and setting up payment plans.

Ways to pay

How can I make a payment?

There are two ways to pay: online, with a credit or debit card or by bank transfer.

Visit to pay online.

If you'd like to pay by bank transfer, our bank account details are:

40/41 High Street
Essex CM1 1BE

Account name: Anglia Ruskin University
Sort code: 20-20-35
Account number: 40116890
Swift code: BARCGB22
IBAN number: GB66 BARC 202035 401168 90

What credit and debit cards do you take?

We accept all credit and debit cards except Diners.

Online payments

Are online payments secure?

Our secure-server software encrypts all sensitive information using industry-standard technology.

Which cards do you accept?

We accept most major debit and credit cards. However, we do not accept Diners Club cards, due to the high rates of commission charged.

Please also be aware that some cards such as Electron cannot be used for online transactions – your bank will advise you if your card is subject to such restrictions.

Why was my payment declined?

It isn’t possible to advise exactly why individual payments fail.

Potential reasons are:

  • incorrect card number entered. On most cards the number to enter is the 16-digit one printed across the middle of the card; this will be 15 digits for American Express
  • your card limit may have been reached. Check with your bank for daily transaction limits
  • the address you entered is not the billing address. You will need to put the address that your bank has you registered at which may not necessarily be your university term-time address

After two failed payment attempts, we advise contacting your bank to make sure no block is put on your card.

When will my payment show on my account?

All payments made via the Online Payment System update the screens as soon as the payment is authorised. Staff in our Finance Department will enter the payment to the appropriate invoice once this has cleared in our bank account, which will take around two working days.

Recurring card payments

How can I see what payments are scheduled?

You should receive an automated email showing what payments are scheduled each time this is updated. If you have additional queries please contact

Can I change my payment date?

If you want to move a payment to an earlier date please contact

If you wish to delay a payment by less than five days it is not necessary to contact us; the payment system will automatically try to retake your card payment five days after the initial attempt. You will not be penalised for this and there will be no late payment charge.

If you want to change the dates your rent payments are due, please contact

If you want to change any other payments, please contact

How can I update my payment card details?

To update your card details, visit You will need to enter the email address linked to your payment plan.

I've got a new debit/credit card. Will my payment still go through?

Payments are set up on your card details, not your bank account details. You will need to update the record with your new card details, or your payment will not go through.

How can I get a receipt for my payment?

Payment online
Payments made online using the ARU payment portal will automatically be issued a receipt via email.

Payment via bank transfer
Payments made via bank transfer will automatically be issued a receipt via email.

I made a payment by bank transfer, why have you taken a payment off my card as well?

If you make a payment by bank transfer in the days before you recurring card payment is due this will result in a duplicate payment. It will take several days for a bank transfer to arrive in our bank account, be added to your account, and for us to cancel your automated recurring card payment. Therefore, it is preferable to wait for the recurring card payment and not also send a bank transfer.

Payment plans

Can I pay in instalments?

Yes; you can pay for some things in instalments, including university accommodation and tuition fees. 

  • UK and EU students can pay in three or six instalments, with one sixth taken at registration.
  • International students can pay in two instalments, with 60% taken at registration.
  • If you're taking a course that lasts for four months or less, you'll need to pay tuition fees in full at the start of the course.

How can I update my payment card details?

To update your card details, visit You will need to enter the email address linked to your payment plan.

I have a query about my payment plan. Who should I contact?

Please email or call us on 01245 683190.

I'm having difficulty meeting my payment plan. What should I do?

Please contact the credit controller for your faculty.


What do I need to provide to obtain my refund?

You can find information regarding our refund process online.

Tuition fees

When are tuition fees due for payment?

Tuition fees are due for payment when you register as a student. You don't have to pay in full: you can set up a payment plan and pay in instalments. You'll need a credit or debit card to do this.

My tuition fees are being paid by someone else. What do I need to do?

If a sponsor, employer, government or agency is funding your tuition fees, please send us evidence of sponsorship. You can email a scanned copy to Please note that the sponsor letter should be on letter headed paper and explicitly state:

  • that they will be funding you and for how much
  • contact details for the authorising member of staff or budget holder/sponsoring department
  • a purchase order (PO) number, a financial guarantee reference number, or any other form of liability reference that your sponsor requires to process and make payments.

Please note that your sponsor will have 30 days to pay. You will need to pay any fees that are not covered by your sponsor.

I have a student loan. What should I do?

If you're an undergraduate student your student loan (Tuition Fee Loan) will be paid directly to Anglia Ruskin University, to cover your tuition fees. If your tuition fee loan has been approved this should show when you register as an ARU student. Just select that you agree that the course fee is correct to complete your registration. If your funding is not showing on your registration task please select I Do Not Agree. You will need to provide your student support number (SSN) or customer reference number (CRN) to complete your registration.

If you're a postgraduate student your loan or funding will be paid directly to you. It's your responsibility to pay the University for your tuition fees. You can set up a payment plan when you register as an ARU student.

It can take up to six weeks to process student loan applications, so we recommend applying as early as possible. You can amend or cancel your application if your plans change.

Do I have to pay a deposit for any courses?

Most international students will need to pay a deposit of £4,000.

If you're taking our Legal Practice Course, we'll ask you to pay a deposit of £350.

Deposits are deducted from your remaining tuition fees.

What is your Professional Career Development Loan number?

Our Professional Career Development Loan (PCDL) number is 3354.


How do I pay for my University accommodation?

Visit our accommodation pages for full details on paying for your accommodation, including advanced rent payments and deposits.

Library fines

How do I pay a library fine?

Log in to your library account and select 'Fines and fees'.

You can also pay in person at your campus library. Our library staff will be able to answer questions about library fines.

Replacement student ID cards

How can I get a new student ID card and what does it cost?

There's a cost of £10 for replacement cards. Visit to make a payment.

After you've paid, you can collect a new student ID card from your campus iCentre.

If your particular question isn't answered here, give our Income Team a call on 01245 683190 (Monday-Thursday 8.30am-4.45pm, Friday 8.30am-4.15pm) or email