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In the fast-moving business world, your organisation must be able to make and receive fast and efficient payments. Clearing House Automated Payment System (CHAPS) is an electronic bank-to-bank technology that enables same-day payments to be made within the UK, provided the funds  are requested or instruction is received before 4.25pm (in branch) or 5.25pm (via online).

Features and benefits

  • Fast, reliable and secure method of guaranteeing same business day payment of cleared funds in the UK.
  • Payment is made from one account to another on the same business day.
  • Funds are cleared on day of receipt.
  • Payments can be made for any amount, so there's no need to worry about cheque guarantee limits.
  • Money is received on the same business day, and can therefore be drawn against immediately.

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

Client account charges

Easy-to-follow figures so you can make comparisons.

View our account charges

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Accept card payments through multiple channels including online, in-person and over the phone.

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Payment services

Fast and efficient ways to make and receive payments.

Back to Payment servicesfor more information about Payment services.

How to apply

On the phone

Call us to talk to our Business Management Team. We are available from 8am to 8pm Monday to Friday and 9am to 1pm on Saturday.

0345 072 5555Call telephone number 0345 072 5555

In branch

Staff in our branches will be happy to help.

When you apply you will need proof of your identity and your address.

Find your nearest branch

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Internet Banking

Internet Banking puts you in control of your finances, giving you time to concentrate on what is important - your business.

Find out moreabout internet banking.

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Business resource centre

Access our comprehensive range of online business resources and tools.

Find out moreabout the Business resource centre