A simpler way to make payments

Direct Debits let a company take money from your account, for example to pay a gas bill.

Standing Orders let you send a set amount of money on a regular basis, for example to a savings account.

Standing Orders

You can set up standing orders easily through Internet Banking.
 

Direct Debits

With a Direct Debit, you give a company permission to take money from your account. You might use one to pay bills. Lots of companies offer  benefits for paying by Direct Debit.

You can see and cancel your Direct Debits online. To set up a new Direct Debit, you’ll need to contact the company you want to pay. Your Direct Debits are covered by the Direct Debit Guarantee.

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.

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?

We will always have lower limits when you call us.

With Faster Payments you can send up to £25,000* online, £100,000 in branch or £10,000 by calling us every day. Each day runs:

1. 12pm Sunday to 9.59pm Monday
2. 10pm Monday to 9.59pm Tuesday
3. 10pm Tuesday to 9.59pm Wednesday
4. 10pm Wednesday to 9.59pm Thursday
5. 10pm Thursday to 9.59pm Friday
6. 10pm Friday to 11.59am Sunday

*The payment limit for Under 19s account customers is £500.

For Bank Holidays, the limit will begin at 10pm the working day before and finish at 9.59pm the working day after.

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