CHAPS Payments

CHAPS is an electronic payment system that guarantees same business day payments to UK accounts.

Make a CHAPS Payment

Make a CHAPS Payment

Log in to Commercial Banking Online (CBO) to make a CHAPS Payment.

Otherwise, if you do not have access to CBO, please visit a branch.

Log in to CBO

Features and benefits

  • Guaranteed same business day¹ payment of cleared funds in the UK
  • Funds clear on the day they are received
  • No upper or lower limit for payments
  • Make payments online or in branch

Need to know

To make a CHAPS Payment, you'll need the recipient’s:

  • sort code
  • account number
  • full name or company name
  • Charges apply to CHAPS Payments

    Charges apply to CHAPS Payments

    Service type

            

    Charges

    Service type        

    CHAPS payment for same day value in branch

    Charges

    £30.00

    Service type        

    CHAPS made via Commercial Banking Online

    Charges

    £16.00 until 31st August 2024. £20.00 From September 1st 2024

  • Cut off times apply to CHAPS Payments

    When payments are made after the cut off time funds will be credited the next business day.

    Payments can be made in Sterling only. They are unconditional, and once made, cannot be recalled.

    Cut off times apply to CHAPS Payments

    Payment method

    Cut-off time

    Payment method

    Branch

    Cut-off time

    16:25

    Payment method

    Commercial Banking Online

    Cut-off time

    17:10

Make a CHAPS Payment

Log in to Commercial Banking Online (CBO) to make a CHAPS Payment.

Log in to CBO

Other ways to make a CHAPS Payment

You can make a CHAPS Payment in branch.

¹Cut off times apply. See ‘Important information’ accordion for further information.

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