Guaranteed same-day payment of cleared funds in the UK (fee applies). CHAPS is an electronic, bank to bank payment system that guarantees same business day payment providing the funds are released before 4:40pm.

    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.
    • Built-in security.
    • Nationwide service.
    • Sterling payments only.
    • Payments are unconditional, and once made, cannot be recalled.
    • Payments can be made for any amount, so there's no need to worry about cheque guarantee limits.
    • Easy to arrange.
    • Money is received on the same business day, and can therefore be drawn against immediately.


Do your banking wherever you are with secure online banking services.

Download our app 



Bank online 24/7 using our Internet Banking website.

Internet Banking 



Speak to a Relationship Manager on 0345 835 3858.

Call us now 



Find your nearest branch or cash machine using our Branch Locator tool.

Find branches