We're evolving to offer banks and lenders a wider range of consultancy, technology, data and outsourcing expertise to help them grow and compete in a changing world.

What we do

We help banks and lenders become digitally native, implement cloud lending technology and leverage their data more effectively.

Business Transformation

We partner with clients to invent new lending businesses and reinvent old ones.

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Platforms

World-class solutions for banking, lending, automation and customer experience.

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Intelligence

We blend human experience and data science to provide analysis and actionable insight.

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Outsourcing

Go beyond BPO with our range of fully managed digital platforms and financial operations. Minimise cost, reduce resource and mitigate risk.

Portfolio Management

Achieve enhanced capabilities via our digital portfolio management and customer experience platforms. Pair with a scalable receivables management service for a cradle-to-grave solution.

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Standby Servicing

Choose from a range of standby servicing options. Our tiered solutions cover all ABS term and warehouse facilities.

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Have a query regarding a direct debit with VLS?

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Banking Works is a trading style of Virtual Lease Services who collect Direct Debits on behalf of numerous companies in regards to finance agreements.

If you have a query regarding a direct debit with Virtual Lease Services or VLS you will need to contact your finance provider direct as we are unable to view your information.

If you have finance with either Braemar Finance or Klarna Bank*, please see their contact details to the right. Please get in touch with them direct and they will be able to help you further.

*If unsure please check your statement. Your payments will show as Virtual Lease Services RE Braemar or Virtual Lease Services RE Klarna.