I guess it may well have changed since the SVT stopped decent deals but you used to get penalised for none DD . Not sure if that is still the case
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a quick google for octopus says this
Cheaper Rates for Direct Debit:
Octopus Energy offers slightly cheaper rates for customers who pay by Direct Debit because it costs them less to manage these accounts
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https://octopus.energy/help-and-faqs...-direct-debit/
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of course the points could well be of a higher value than the extra charges though worth investigating. Please let me know the results hahaha