Single payment

All about single payments - also known as a bill payment

Here's all you need to know about how to set up a single payment on your account so you can use it now or in the future, at your convenience.

What is a single payment?

What is a single payment?

A single payment is a one off payment or transfer you can make to someone in the UK. When you set up a single payment the payee's details are saved for you to use again, at your own convenience. You can also diarise the payment so that you can pay someone in the future. 

You can use a single payment you've already set up with: 



So whenever you make a single payment in the future, you’ll just need to choose the amount and date of transfer.

What is it used for? Typically it's used to pay bills, such as your Nationwide credit card. You can also make transfers to your passbooks or other people’s bank accounts. 

Set up a payment  

You can set up a new single payment online or in branch. We'll need a few details from you first and it's really important these are correct so the payment doesn't go astray.

The payee's details, including their:

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

The payment details, including the:

  • Amount
  • Payment reference number

How to make a single payment online 

Once you've set up your payment, you can make a transfer from your current account.

Step by step guide

1. Log in to the Internet Bank
2. Find 'Pay a bill or send money to someone'
3. Choose your account
4. Select 'Single payment'
5. Select 'Who would you like to pay?'
6. Select the payee previously set up
7. Follow the on-screen instructions

How will my payment be sent?

Single payments are sent using faster payments which allows customers to make (free) Sterling payments within the UK almost instantaneously, 24 hours a day, seven days a week. At Nationwide the payments are initiated via the Internet Bank, Telephone Banking, Banking app, an ATM or at a Nationwide Branch (during opening hours).

    ATM payment

    How to make a single payment at an ATM

    Important: Payments can only be made to existing payees at Nationwide ATMs. Before you make your single payment, make sure you have set one up either using Internet Banking or in branch.


    1. Insert your card into the ATM
    2. Enter your PIN
    3. Select 'Bill payment'
    4. Select the payee
    5. Follow the on-screen instructions

    Telephone Banking payment

    3 simple steps to pay using Telephone Banking

    Important: before you make your single payment, make sure you have set one up either using Internet Banking or in branch.

    1. Call us

    FlexAccount, FlexBasic: 0800 30 20 11

    FlexDirect: 0800 35 73 57

    FlexPlus: 0800 11 88 55


    1. Sign on with your customer number using your telephone keypad
    2. Press #
    3. Enter the requested 3 digits of your 6 digit Passnumber Passnumber

    Passnumber

    This is the number you chose when you first set-up telephone banking.

    2. Tell us what you want to do

    Select the service you want from the main menu either by saying the keyword or using your telephone keypad.  Please note not all payment types are available for all accounts.

    See the main menu options

    3. Confirm your transaction

    If you have more than one account, you will need to tell us which account you want to make a payment from. After you've finished your transaction, you can listen to the main menu again for further transactions, or just end the call.

    Manage your payments

    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

    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 future dated bill/single 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.

    Single 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 a payment or change the amount up to 8:30pm on the working day before the payment is due. You can't cancel or amend the payment if it is due that day. Find out how to cancel or make a change to your payment online
    • set up a payment for the next day up to 8:30pm. Payments after this are made the next working day. You can do this online, on your Banking app or in branch.

    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.

    Internal transfer