What are same-day UK payments (CHAPS)?

These are payments to UK accounts that are guaranteed to reach the recipient on the same day, provided you meet the cut-off time of 2:30pm*. There is a fee of £25 per transaction for this service.

You can make a same-day UK payment in branch, through Telephone Banking (if you’re registered) or online, if you’re registered for Online Banking with PINsentry. Please note that there are overall daily payment limits in Online Banking depending on what type of account you have with us. For Personal customers, this is £50,000; for Premier and Business customers, it’s £100,000.

Once you’ve logged in to Online Banking, you’ll find the link for ‘Same-day payment (CHAPs)’ under ‘Make a payment’ within the ‘Pay and transfer menu’.

If your payment is under £10,000 and isn’t urgent, you can use the ‘Make a payment’ function under the ‘Pay and transfer’ menu in Online Banking for no charge instead.

*There may be delays if we need to speak to you about your payment.