
Making & Receiving Domestic Payments
Secure and efficient payment solutions for domestic payments.
Payment options for all your business needs, from bulk payments for wages, to one-off or regular payments to suppliers, or collecting Direct Debits from your customers.
Electronic payments
Our comprehensive range of Sterling electronic payments including Bacs, CHAPS and Faster Payments enables you to make one-off, or bulk payments securely and efficiently, whether you are paying suppliers or staff.
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- Secure electronic remittance of regular payments directly via Bacs
- Make and receive regular or non-urgent payments efficiently
- Industry standard three-day payment processing cycle
- Improve debtor control through Direct Debit collection
- Bank of Scotland offers assorted ways to submit payments to the Bacs Scheme based on your business needs, from online banking to host to host or dedicated Bacs software.
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- Secure, reliable and fast
- Same business day payment*
- Funds cleared on day of receipt
- No upper limit on payment amounts
- Payments can be made via online banking, host to host or API
*Cut off times apply.
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- Quick and simple to send and receive money
- Instant payments – funds arrive within 2 hours
- Schedule payments in advance
- Payments made through online banking, host to host or API.

Speak to a relationship manager
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Cash and Cheque solutions
Secure and flexible solutions for bulk cash and cheque collection and delivery with access to a nationwide cash network, as well as our own branch network.
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- Delivery and collection service for high volumes of cash
- No maximum limit for delivery or collection¹
- Minimum cash delivery of £10,000
- Minimum cash collection of £7,500, with up to 5% of coin.
¹No maximum limit for collection other than that imposed by your cash in transit provider.
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- Cash delivery and collection service at your premises
- No minimum limit for delivery or collection
- Maximum cash delivery of £3,500, with up to £1,000 coin and £2,500 in £5 notes
- Maximum cash collection of £7,500, with up to £1,000 of coin.
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Bank of Scotland Smart Safe offers same-day value for notes deposited in the device and is a fast and secure way of counting and storing notes on site.
- Two device options available with £20k and £40k capacities
- Smart Safe device and collections are provided by G4S
- No need to wait for a collection to receive your funds into your account
- On working days, notes deposited before agreed cut-off time or 8pm (whichever is earlier) will be received the same day.
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- Cash delivery and collection service at your premises
- No maximum limit for delivery or collection
- Minimum cash delivery or collection of £2,500
- Business Current Account balance updated automatically and deposited funds available by end of day two
- Access to ancillary services, e.g. wage packets, at extra cost.
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- Cheque deposit service
- 2-day clearing process if cheques reach the iPSL clearing centre by 19:30 on a business day
- Deposit up to 250 cheques within each submitted bundle
- Lower and transparent fees compared to standard branch counter processing
- Access to ancillary services, e.g. stationery for cheque submission.
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Essential checks
Make sure your cheque meets the following requirements:
- It’s less than 6 months old and the recipient’s name is correct.
- The amount is written in both words and numbers, and they match.
- It’s denominated in British pounds (£) and pence.
- The cheque is signed.
- On the back of the cheque, write the sort code and account number of the account you want the money paid into.
- If you’re sending more than one cheque, include a completed personalised credit-in slip.
Find out how to order a credit book.
How to post your cheque
To post your cheque, complete the steps below:
- Send your cheque using regular or tracked post. We recommend tracked post for added security.
- Place your cheque in a stamped envelope and post it to: LBG Processing, PO Box 13664, Harlow, CM20 9XF.
- Once we receive your cheque, the money should reach your account within two working days.
- If there are postal delays, it may take longer for the funds to become available.
If you regularly process multiple cheques, please check whether Bulk Cheque Processing Service may better meet your needs.
Cardnet® is a registered trademark of Lloyds Bank plc.