eGDCPay by instalments Direct Debit
A pay by instalments option for the Annual Retention Fee (ARF) has been introduced to support dental professionals who pay their own fee by enabling them to spread the cost over the year with quarterly Direct Debits.
For dental care professionals (DCPs) this is four Direct Debits of £28.50. For dentists this is four Direct Debits of £172.50. Where a dentist holds specialist titles, the annual fee of £72 per title will also be collected in the first Direct Debit.
To take advantage of the option in 2022/2023, DCPs needed to have logged in to eGDC and selected the quarterly Direct Debit option no later than 31 May 2022. Dentists who wish to pay their ARF by instalments in 2023 will need to select this option no later than 30 October 2022.
Quarterly Direct Debit is one of the simplest ways to pay your ARF and provides you with a number of advantages.
1. You can spread the total cost of the ARF in four equal payments over the course of the year.
2. You will be protected by three important safeguards:
- An immediate money back guarantee from your bank in the event of an error.
- Advance notice if the date or amount changes at any time.
- The right to cancel at any time, although, in the event of a cancelled Direct Debit, dental professionals will need to pay the remainder of the ARF. Please refer to the Terms and Conditions for further information.
3. Your payments are made automatically. This will ensure that your fee is never forgotten.
4. Once your Direct Debit is set up, you won’t have to contact us to make a payment or write a cheque each time your ARF is due.
Key dates for DCPs: pay by instalments Direct Debit
| Pay by instalments Direct Debit set up deadline | Quarter one Direct Debit payment date | Quarter two Direct Debit payment date | Quarter three Direct Debit payment date | Quarter four Direct Debit payment date |
| Midnight, 31 May 2022 | The quarter one Direct Debit of £28.50 will be taken on or around 4 July 2022. | The quarter two Direct Debit of £28.50 will be taken on or around 2 October 2022. | The quarter three Direct Debit of £28.50 will be taken on or around 9 January 2023. | The quarter four Direct Debit of £28.50 will be taken on or around 3 April 2023. |
Please note, exact instalment dates are confirmed at least 10 working days before we claim the first instalment.
Key dates for dentists: pay by instalments Direct Debit
| Pay by instalments Direct Debit set up deadline | Quarter one Direct Debit payment date | Quarter two Direct Debit payment date | Quarter three Direct Debit payment date | Quarter four Direct Debit payment date |
Midnight, 30 October 2022 | The quarter one Direct Debit of £172.50 will be taken on or around 2 December 2022 (plus the annual fee of £72 per specialist title held). | The quarter two Direct Debit of £172.50 will be taken on or around 1 March 2023. | The quarter three Direct Debit of £172.50 will be taken on or around 1 June 2023. | The quarter four Direct Debit of £172.50 will be taken on or around 1 September 2023. |
How to set up a quarterly Direct Debit online
You can set up a quarterly Direct Debit on eGDC. If you do not have an eGDC account you will need to create one first. An eGDC account allows you to manage your registration online. You can also use it to update your contact information, set up, cancel or amend the next years’ ARF Direct Debit and log your CPD hours.
How do I set up my quarterly Direct Debit on eGDC?
Is there a charge for accessing the pay by instalments option?
There is no additional charge for paying the ARF by instalments.
Can I pay other fees (e.g. specialist list, registration application fee, registration fee) by instalment?
The pay by instalments option is only available on the ARF.
Why can’t I pay monthly?
The quarterly pay by instalments option was decided upon as this represents a good balance between making a significant difference to the amount dental professionals need to pay in one go, while keeping costs associated with running the scheme to appropriate levels. A monthly option would cost significantly more to administer and, as the GDC’s income is generated almost entirely by the ARF, this is a cost which would ultimately be met by registrants.
What happens if I miss an instalment payment?
If an instalment is missed, the remaining balance for that year becomes payable by the end of the month in which the instalment fell due. Should that deadline also be missed, individuals may be removed from the Register and, as is currently the case for removals due to non-payment, professionals will need to apply for restoration.
In cases of removal and subsequent restoration, the pay by instalments option will not be available for two ARF cycles (i.e. two years) from the point of removal. For the very small number of professionals who hold both dentist and DCP registration, this exclusion will apply to all categories of their registration.
When opting to pay the ARF by instalments, registrants are entering into an agreement to pay the full ARF. The removal of access to the instalments scheme for two years for those who have not upheld that agreement is designed to prevent repeated breaches, and the associated costs.
I currently pay my ARF by annual Direct Debit. Do I need to cancel this to opt into pay by instalments option?
No, you just need to go onto eGDC by the Direct Debit ‘setup’ deadline and select the 'quarterly Direct Debit' option. This will update your existing Direct Debit.
Can I opt in to pay by instalments at a later date if I don’t want to this year?
Yes. For each ARF cycle there is a deadline by which you need to have signed up via eGDC. For DCPs the deadline this year is 31 May 2022. For dentists the deadline is 30 October 2022.
Can I pay instalments by cheque/post, by card on eGDC, any other methods?
The pay by instalment option is available by Direct Debit only.
Can I opt out of the pay by instalments option in future years?
Yes. Changes to your payment method need to be made by the Direct Debit cancellation deadline each year, which is typically around the end of June for DCPs and the end of November for dentists.
I’ve changed my bank account. What should I do?
Do not cancel your Direct Debit. If you change bank accounts mid-ARF cycle, you will need to use the bank switching service offered by your new bank account provider which will update your Direct Debit automatically. If you cancel your Direct Debit, there is no way to manually set up a new one mid-ARF cycle, and the remainder of your ARF balance will be payable by the end of the month in which the instalment fell due.