CHAPS Payments

Same business day 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.

Make a CHAPS Payment

Make a CHAPS Payment

If you do not have access to Commercial Banking Online please visit a branch to make a CHAPS payment.

Log on to Commercial Banking Online

Key features and benefits

  • Fast, reliable and secure
  • Same business day payment¹
  • Funds cleared on the day of receipt
  • No upper limit on payment amounts
  • Make payments in branch
  • Payments online for clients with access to Commercial Banking Online

What we’ll need to know

To make a CHAPS payment you’ll need the following information from your recipient;

  • Sort Code
  • Account number
  • Full name or Company name 

  • Charges apply to CHAPS payments
     

    Our Payment Charges

    Service type

    Charges

    Service type

    CHAPS payment for same day value in branch

    Charges

    £30

    Service type

    CHAPS made via Commercial Banking Online

    Charges

    £20

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

    Cut off times apply to CHAPS payments
     

    Our Payment Charges

    Payment method

    Cut off time

    Payment method

    Branch

    Cut off time

    16:25

    Payment method

    Commercial Banking Online

    Cut off time

    17:10

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

Make a CHAPS Payment

Log on to Commercial Banking Online

If you do not have access to CBO please visit a branch to make a CHAPS payment.

Other Payment solutions

For businesses with an annual business turnover between £0-3m, please visit

Payment services

For businesses with an annual business turnover between £3-25m, please visit

Payment services

Payments in branch

Visit your local branch for information.

Find your nearest branch

¹Cut off times apply. See important information for further information

Lloyds Banking Group is a financial services group that incorporates a number of brands including Lloyds Bank. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.