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 £25 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

Getting started online

Let’s look at the details

  • 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

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Set up a standing order

You can set up a standing order in the app or in Internet Banking. We may ask you to enter your password.

How to set up a standing order

Pay someone new

Follow our step-by-step instructions on how to pay someone new in the app or in Internet Banking.

How to pay someone new

International payments

It’s simple and secure to send or receive money outside the UK or in a foreign currency.

About International payments

Further help with payments

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

Read our guides

Payment fallout banner

Further help with payments

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

Read our guides