We aim to process your CHAPS instruction on the same day, however to prevent fraud and to keep your money safe, we conduct a variety of checks before the payment can be made. We aim in most cases to release payment by 5.30 pm, but if we are unable to complete our checks or we need to ask you for further information, then the payment may be delayed until the following day.

Please contact customer services as soon as you can to request this so the payment can be sent on time. 

You will also need to ensure that the payee is set-up on your account and that you have sufficient funds available to cover the payment. We will need to understand the rationale for the payment and any supporting evidence you can provide (Contract, Completion statement etc) for the payment. Please have this ready and one of our team will be in touch to discuss this with you. 

Often it is easier to send payments via Faster Payments. If you contact customer services, you can send a maximum of £500,000 via Faster Payments in a day. The upper limit for a single Faster Payment is £250,000. Sending a CHAPS payment costs £20 per payment. Faster Payments is free of charge.