diff --git a/app/Models/Client.php b/app/Models/Client.php
index 520bd5f59857..55ac5fe02471 100644
--- a/app/Models/Client.php
+++ b/app/Models/Client.php
@@ -530,7 +530,7 @@ class Client extends BaseModel implements HasLocalePreference
             }
         }
 
-        if ($this->country->iso_3166_3 == 'GBR' && in_array(GatewayType::DIRECT_DEBIT, array_column($pms, 'gateway_type_id'))) {
+        if ($this->country && $this->country->iso_3166_3 == 'GBR' && in_array(GatewayType::DIRECT_DEBIT, array_column($pms, 'gateway_type_id'))) {
             foreach ($pms as $pm) {
                 if ($pm['gateway_type_id'] == GatewayType::DIRECT_DEBIT) {
                     $cg = CompanyGateway::find($pm['company_gateway_id']);