Direct Debit

Regular payment

All about regular payments - also known as a standing order

If you're worried about remembering to pay your bills each month, you could set up a regular payment from your account. Here's all you need to know about how to set one up and how to start using it.

What is a regular payment?

What is a regular payment?

A regular payment is a way of making a payment or transfer to someone else on a regular basis. You can set up the instruction on your account, which then lets you make payments to other UK banks or building societies. It’s also known as a standing order.

Typically it's used to make transfers to savings accounts, pay bills, donate to a charity or just send money to a friend or relative. You can also use a regular payment to pay companies and organisations.

These payments will be made on working days only, i.e. Monday to Friday, excluding bank holidays. If the specified date falls on a weekend or bank holiday, the payment will be sent on the next working day.

Set up a regular payment

How to set up a regular payment

You can set up a regular payment either online at any time or in branch during opening hours. We’ll need a few details from you first and it’s really important these are correct so the payment doesn't go astray.

What we'll need ...

The payee details including their:

  • Name or business name
  • Account number (8 digits)
  • Sort code (6 digits)

The payment details including the:

  • Payment start and end date
  • Amount
  • Payment reference number

Step by step guide

Set up a regular payment online


  1. Log in to the Internet Bank
  2. Find 'Pay a bill or send money to someone'
  3. Choose your account and select 'Regular payment'
  4. Follow the on-screen instructions

Receive a regular payment

How to receive a regular payment

To receive a regular payment into your Nationwide account you will need to give the payee your account details, the table below could help with this.

Account type Sort codes Account number Roll or reference number
Current Account 070116
070246
070436
074456
8 digits 
N/A
Savings accounts with a card 070030 8 digits 
N/A
Savings account with a bond / passbook 070093 33333334 Enter the full account number (1234/123456789)
Credit cards 073012 00001604 Enter the 16 digit card number 
Mortgage accounts 070094 44444445 The mortgage account reference number
BusinessInvestor 070055 8 digits
N/A
Regular Savings 071040 8 digits
N/A

Finding your account number

This can be found at the bottom of your card or on your statement.

Finding your account number

This can be found on your certificate, statement, introductory letter or across the middle of your card. It is also in your passbook referred to as account number or reference.

Manage a regular payment

How to manage your payment

You can change the details of a future-dated payment online or in branch, such as the beneficiary's name or the amount you want to pay. You can also cancel a payment and then re-instate it when you need to use it again.

Note: Requests must be received by 8.30pm on the working day before the payment is due.

Change, cancel or re-instate a payment online

If you cancel an individual payment or standing order this will cancel the mandate and all future payments.

Step by step guide

Change or cancel a payment online


  1. Log in to the Internet Bank
  2. Find 'Manage payees'
  3. Choose your account and select 'Go'
  4. Next to your payee's name, under 'Actions', select the dropdown list
  5. Choose 'Change payee details' or 'Cancel payee' and select go
  6. Follow the on-screen instructions

Step by step guide

Re-instate a payment online


  1. Log in to the Internet Bank
  2. Find 'Manage payees'
  3. Choose your account and select 'Go'
  4. From the menu on the left, under 'Manage your payees', choose cancelled
  5. Find and the payee
  6. Under 'Actions' choose 'Reinstate'
  7. Follow the on-screen instructions

Do you have sufficient funds to make a payment?

Make sure you have sufficient cleared funds in your account to make a payment

When you ask us to make standing order payments we attempt to make these payments in the morning.

Payment Retry Alert

This lets you know if a pre-arranged Direct Debit, standing order, regular transfer, or a forward dated bill payment can't be paid because there aren't enough cleared funds in your account to cover the payment. You can then pay enough money into your account by 2:30pm that day so that the payment can be taken when it's retried.

For us to be able to let you know you need to add funds you’ll need to register for any of our text alerts we'll then automatically send you Payment Retry alerts if you need to pay in cleared funds to cover a payment.

If you still don't have enough money to cover the payment when we try to take the payment again at 2:30pm, you'll still only receive 1 unpaid transaction fee.

To find out when a cheque you're paying into your account will clear, please use our cheque clearance calculator.

Regular payment transfer limits

Transfer limits from your current account to:

Multiple transfers can be made, providing you have sufficient cleared funds available.

Transfer from your current account to: Amount Timescales Note
e-Savings
e-Savings Plus
£1.00 - £3,000,000 Immediate Your available balance is updated immediately on both accounts.
Payments before 7:30pm will show on your statement the next working day.
Payments after 7:30pm take an extra day.
Interest is earned on the date the transfer is made.
Another Nationwide savings account (excluding e-Savings / e-Savings Plus) £0.01 - £50,000 Immediate Before updating your passbook, please wait until the next working day.
Interest is earned on the date the transfer is made.
Nationwide credit card £0.01 - £10,000 per transaction Next day Available balance is updated on the same day.
Balance and transactions will show online the next working day.
Nationwide mortgage £0.01 - £10,000 per transaction Next day Transfers show online the next day.
Check your terms and conditions for charges as some mortgage products apply charges for overpayments.
Nationwide personal loan £0.01 - £10,000 per transaction Next day Transfers normally arrive the same day the payment is made.

Important information: We will attempt to make Direct Debits, standing orders or bill payments on the morning they are due, and if there are insufficient funds in the account to make the payment, we will try again in the afternoon, after 2:30pm .

Multiple transfers can be made, providing you have sufficient cleared funds available.

Transfer from your current account using: Amount Timescales Note
Single payments £0.01 - £10,000 per transaction Immediate To find out which sort codes accept Faster Payments, view the UK Payments sort code checker website.
Regular Payment £0.01 - £9,999.99

Transfer limits from other Nationwide accounts:

Multiple transfers can be made, providing you have sufficient cleared funds available.

Transfers from: Transfer to: Amount Timescales Note
e-Savings


e-Savings Plus
Current account £1.00 - £3,000,000

£1.00 - £3,000,000
Immediate Your available balance is updated immediately on both accounts.
Payments before 7:30pm will show on your statement the next working day.
Payments after 7:30pm take an extra day.
Interest is earned on the date the transfer is made.
Limited Access Online Saver Nominated account not held with Nationwide £0.01 - £100,000 Immediate Payments to other Nationwide accounts are subject to the terms and conditions of the Limited Access Online Saver account.
Nationwide card based account Current account / Savings accounts

(excluding e-Savings / e-Savings Plus)
£0.01 - £50,000 Immediate InvestDirect - You cannot transfer less than £250.
Cash ISAs - You cannot transfer more than your annual ISA allowance during any single tax year (6 April to 5 April).
Passbook Accounts You cannot transfer online, please ask at a branch.
Interest is earned on the date the transfer is made.

Future dated payments: This service is not available. You will need to make your transfer on the day you want the money to be paid into your current account. The funds will clear immediately.

Timescales to set up, change or cancel a payment from your Nationwide account

Once you've confirmed your payment on the Internet Bank, you won't be able to change the amount, or cancel the payment.

  • You can cancel or change a payment up to 10pm on the working day before it's due. Find out how to cancel or make a change to your payment online.   
  • As long as you confirm your instructions before 10pm on the working day before you want the payment to be sent, you can set up a new payment to leave your account the next day. If your payment instruction is received after 10pm the payment will be sent on the next working day.

You can cancel, change the amount or set up a new payment in various ways. You can't cancel or amend the payment if it is due that day.


  • Online It must be done the day before the payment is due, before 4pm Monday-Friday
    Find out how to cancel or make a change to your payment online

  • Over the phone 3 working days before the payment is due to go out

  • Branch by 5pm the day before the payment is due.

Find out how to set up a Direct Debit. You can cancel a Direct Debit up to 6pm the day before the money is due to be taken.

Direct Debits aren't paid at the weekend, but if you have one due on a Monday, you can cancel it up to 6pm on Saturday. 

Find out how to cancel your Direct Debit. You must contact the company you're paying to let them know, and get a cancellation form.

Recurring payment