Payment timescales

Find out when we'll make payments from your account.

When will my payment be made?

Payment type

When the payment will be made

See these guides

Payment type

Internal transfers

Between your own Lloyds Bank current or savings accounts, including joint accounts.

When the payment will be made

Transfers are made instantly.

See these guides

Payment type

Faster Payments

Payments to another UK account will normally be sent this way.

When the payment will be made

Payments for the same day:

  • The money leaves your account immediately.
  • It's usually available within 2 hours.
  • For some banks, it can take up to close of business the next working day.

Payments set up for a future date:

We'll try to make the payment shortly after midnight on date you've asked us to send it.

See these guides

Payment type

Direct Debits and standing orders

These are types of regular payment.

When the payment will be made

We'll try to make the payment shortly after midnight on the due date.

We usually process new standing orders on the same day you set them up.

See these guides

Payment type

CHAPS

These payments can only be made in branch and there's a £30 fee.

When the payment will be made

  • If you make your request before 4.25pm on a working day, the money will arrive on the same day.
  • We process requests made after 4.25pm on the next working day.
  • We process requests made on bank holidays and weekends on the next working day.

Please note we can't guarantee payments made to other Lloyds Banking Group accounts will arrive on the same day.

See these guides

Payment type

Cheque deposits

Pay in a cheque with our app.

When the payment will be made

The money will normally be in your account and ready to use by the end of the next working day.

See these guides

Payment type

Cheque payments

Make a payment by cheque.

When the payment will be made

We'll try to make the payment on the date the cheque is paid in.

See these guides

Payment timescales explained

  • We don't process certain types of payments on weekends or bank holidays. These include:

    • Direct Debits
    • Standing orders
    • Cheques
    • Future-dated payment requests.

    If a payment is due on a non-working day, we'll try to make it on the next working day.

  • We'll try to make the payment shortly after midnight on the due date. If you don’t have enough money in your account at that time, we'll try again after 2.30pm the same day.

    This gives you the chance to put extra money into your account. The money you pay in needs to be available to use straight away. So you could transfer money from another personal account you have with us or pay in cash in branch.

    For standing orders and future-dated payments only 

    If there still isn't enough money in your account at 2.30pm, we'll try one last time on the next working day. Then we'll reject the payment.

  • If you go overdrawn, you have until midnight to pay money into your account to avoid a daily overdraft fee for that day. Please see our rates and charges for details.

    If you're worried about your finances or struggling to manage your money, we'd like to help.

    Get support with your money

Getting started online

Further help with payments

Understand regular payments, share your bank details or pay in a cheque on your phone.

Read our guides

Further help with payments

Understand regular payments, share your bank details or pay in a cheque on your phone.

Read our guides

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.

Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.

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.