You can make up to a total of £25,000 in payments online every day. To send more, just visit any UK branch. How much you can send

Frequently asked questions

  • Types of payments

    When you pay online, you can choose from several types of payments. A Faster Payment usually sends money immediately, although it can sometimes take up to two hours. Standing Orders enable you to set up a recurring payment on a specific day and frequency. Direct Debits let a person or company request money from your account.

    When you make a UK payment online, it will go through the Faster Payments Service if it falls within our daily total limit for online payments of £25,000 and the receiving sort code is able to receive Faster Payments. Faster Payments can be made 24 hours a day, 7 days a week and sent immediately or set up for the future.

    If you want to send more, visit any UK branch with valid identification and staff can help you send up to £250,000* using the Faster Payment Service. If you need to send more than £250,000* on the same day, you can through CHAPS (CHAPS costs £30 per payment). Or, you can write a cheque to make a payment.

    You can also transfer money between your Lloyds accounts instantly, Pay a Contact, pay in a cheque using the app and buy Travel Money online.

    Sending money abroad? Find out all about sending money outside the UK or in a foreign currency.

    *Temporary Increase during Covid-19

  • Faster Payments usually arrive within 2 hours, but can take until the end of the next working day. Direct Debits and Standing Orders will be collected shortly after midnight on the due date.

    How much can I send?

    How much can I send?



    Faster payments

    Online: up to £25,000 per day

    In branch: up to £250,000 per day with
    valid identification

    Telephone: up to £10,000 per day


    At an ATM: up to £500 per day

    In branch: no limits, but please order in advance for large amounts.

    If you need to move money, it’s safer to do it by Faster Payment or CHAPS.



    Online: no limits

    In branch: no limits

    Standing Orders

    Online: up to £25,000 per day

    In branch: up to £100,000 per day

    *Updates and new Standing Orders included



    In branch: no limits

    Pay a Contact

    In app: up to £300 per day

    We will always have lower limits when you call us.

  • With Faster Payments you can send up to £25,000* online, £250,000^  in branch or £10,000 by calling us every day.

    Your limit resets at 11:59pm each day.

    *If you have an Under 19’s, or Private Bank account your limits may vary to the above.

    ^During Covid-19 Branch limit is temporarily increased to £250,000

    Your payment limit amount includes bill payments, payments to individuals and new Standing Orders or any increases to existing Standing Orders and existing future payments. Any Payments you set up today for a future date are counted towards today’s daily limit. So if you set up a Standing Order for next week, it will count towards today's limit

  • Types of regular payment

    • Direct Debits, standing orders and subscriptions are all used to pay bills or move money on a regular basis.
    • You can view and manage them in the app or Internet Banking.

    Regular payment types

    What it is

    Used for things like

    See these guides

    Regular payment types

    Direct Debit

    What it is

    • Lets a company take money from your account.
    • The amount can go up or down depending on how large the bill is.

    Used for things like

    • Utility bills
    • Gym memberships
    • Mobile phone contracts

    See these guides

    Regular payment types

    Standing order

    What it is

    • Lets you send a set amount of money to another account.
    • You control the amount of money you send.

    Used for things like

    • Moving money to a savings account
    • Paying someone in your family

    See these guides

    Regular payment types

    Subscription payment

    What it is

    • Lets a company charge your debit or credit card.
    • The amount can be the same each time, or can go up and down.

    Used for things like

    • Music and video streaming
    • Food memberships

    See these guides

    Important information about Standing Orders and Future Dated Payments

    This information applies to the following payment types; Standing Orders, Direct Debits, Cheques and Future Dated Payments.

    We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect your payment the next working day.

    If you don’t have enough funds in your account at this point to make a payment, we will try to make a payment again after 2.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch.

    If you do not have enough funds at the beginning of a day to make a payment:

    You have until 2.30pm to pay money into your account to make the payment that day

    If a payment takes you overdrawn, you have until midnight to pay money into your account to avoid a daily overdraft fee for that day.

    For Standing Orders and Future Dated Payments only

    If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. Details of our fees and charges can be found in the Banking Charges guide.

Payment name checks

Make sure your payment goes to the right place when you pay someone for the first time.

Payments to Ukraine

We'll refund our £9.50 fee where charged for payments sent to Ukraine. Please allow a few days for this to be paid back into your account.

Banking online

More and more people are banking with us online. See what you can do in our app or on our website.

What you can do online

Improve your digital skills for free

The Lloyds Bank Academy is a free service to help you make the most of being online.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Calls may be monitored or recorded to help us improve our quality of service.


Mobile Banking: We don’t charge you for Mobile Banking but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.

Mobile Banking app: Available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. Device registration required.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.

Your rights when making payments in Europe (PDF, 333kb, opens in a new window)