If you've noticed two payments taken in one month, this can happen for a few specific reasons. Below, we explain each scenario and what you can expect.
1. You changed your payment date
If you’ve recently updated your monthly payment date, you might be charged twice in a 30-day period.
Why does this happen?
When you switch your payment date:
The next payment moves to your chosen new date.
If this new date falls within the same 30-day period as your previous payment, you’ll be charged again within that month.
Example:
Original payment date: 1st of the month
New payment date: 25th of the month
Result: Payments taken on the 1st and again on the 25th
Important to note:
You can only change your payment date twice during your policy term.
The new date must be at least 6 days after your current date.
2. You made a policy change (MTA)
If you’ve updated your policy (like changing your car or address), you may be charged an additional upfront fee related to that change.
How are these charges calculated?
You usually pay a percentage of the cost of the change upfront.
The remaining amount is spread across your future monthly payments.
Example:
Policy change costs £120
£20 is taken upfront
£100 is divided across your upcoming monthly instalments
Note: If the policy change was significant or initiated near your regular payment date, this can result in two payments being processed close together.
3. You manually cleared your outstanding balance
If you've chosen to pay off your outstanding balance manually, this will show as an additional payment outside your regular schedule.
When might this happen?
You requested to pay your instalments in full ahead of time.
You were in arrears and settled your overdue payments in one go.
How to check
To confirm why you’ve paid twice:
Open your Marshmallow app
Go to Manage Payments
Review the payment breakdown and timeline
You’ll see a full summary of what each payment was for and when it was taken.
Still unsure?
If you're still not sure why you were charged twice, our team is here to help.