CHAPS payments

All about CHAPS payments

Our CHAPS service is available for you to make those high value UK payments on the same day, if we receive your request by 3pm. Find out how you can make a payment and what the limits and timescales of a CHAPS payment are.

What is a CHAPS payment?

What is a CHAPS payment?

CHAPS stands for Clearing House Automated Payment System. It's an automated payment system we use to make payments on the same day in the UK, in sterling (providing the payment instruction is received before 3pm). Any requests received after the 3pm deadline will normally processed the next working day.

CHAPS payments are used by both companies and individuals making requests for high value payments. For example, a solicitor will use a CHAPS payment to transfer the purchase funds of a house between the buyer and seller. People often use it to make same day payments when making a high value purchase. There is a charge for this service.

Did you know? If you're making a payment for less than £10,000, instead of making a CHAPS payment, you can make a quick transfer online to your own Nationwide accounts or a single payment if you're paying or transferring to someone else.

Make a payment online 

About online CHAPS payments

If you're registered for our Internet Banking service, you can make a CHAPS payment online from your current account, using your card reader. If you don't have a card reader, simply follow the on-screen instructions to complete your transaction. If you want to send a payment to someone in the UK, we'll need the following details from you:


  • Sort code of receiving bank
  • Name of the person receiving the funds (beneficiary)
  • Beneficiary account name
  • Beneficiary account number
  • Amount to be sent
  • Reference or any further payment details

Did you know? If you're making a payment for less than £10,000, instead of making a CHAPS payment, you can make a quick transfer online to your own Nationwide accounts or a single payment if you're paying or transferring to someone else.

When you make a CHAPS payment

  • Always double check the sort code and account number before sending a payment as payments are processed using this information only.
  • Check the amount and payment reference, particularly if you are paying a business or paying a bill.
  • If you think you have sent a payment to the wrong account it is important to act quickly. If you are unable to recover the funds with the receiver directly, please contact us immediately.
  • Likewise, if you have received money into your account that you think might have been sent to you in error, contact us immediately.

How to make a CHAPS payment online

  1. Log in to the Internet Bank
  2. Find 'Other payments'
  3. In the section 'Make a payment using CHAPS' choose your account
  4. Select Go
  5. Follow the on-screen instructions

Misdirected Payments

To help people that have accidentally sent a payment to the wrong account, the Payments UK developed a Code of Best Practice for Payment Service Providers. Nationwide subscribes to this voluntary code of best practice. You can find out more about the code of practice by visiting the Payments UK website.

Make a payment in branch

How to make a CHAPS payment in branch

If you have a current account or savings account, you can request a CHAPS payment in branch. When you visit us in branch you'll need to provide the following information:


  • Sort code of receiving bank
  • Name of receiving bank
  • Address of receiving bank
  • Name of the person receiving the funds (beneficiary)
  • Beneficiary's account name
  • Beneficiary's account number
  • Amount to be sent
  • Reference or any further payment details

Where your CHAPS payment is for less than £2000 you'll need to provide us with your Nationwide account card or passbook as identification. Where the CHAPS payment is more than £2000 we'll need a valid passport or photo card driving licence.

Did you know? If you're making a payment for less than £10,000, instead of making a CHAPS payment, you can make a quick transfer online to your own Nationwide accounts or a single payment if you're paying or transferring to someone else. 

Receive a payment

How to receive a CHAPS payment

There's no charge for receiving a CHAPS payment into your Nationwide account, although the originating bank may charge the payment sender. You'll need to give the sender of the payment the following information about your account:

Current Account / Card Savings account

  • Your name
  • Account sort code (Found on the bottom of your card or on your statement)
  • Account number (Found on the bottom of your card or on your statement)

Passbook Savings account

  • Your account name
  • Sort code - 070093
  • Account number – 33333334
  • Account Roll number 

Finding your roll number

You can find your roll number in your passbook in the following format 1234/1234567.

Fees and charges

Fees & charges

The transaction charge for sending a CHAPS payment from a current account or savings account is £20.

From a FlexOne or FlexStudent account the transaction charge is not applicable.

CHAPS limits

CHAPS Limit

Providing there are sufficient cleared funds available to cover your transaction and fees, there is no minimum or maximum transfer limit.

Did you know? If you're making a payment for less than £10,000, instead of making a CHAPS payment, you can make a quick transfer online to your own Nationwide accounts or a single payment if you're paying or transferring to someone else.

Processing times

Processing times

Making payments through CHAPS should mean the recipient will receive the funds the same day. This is providing your instruction is received into the CHAPS and Foreign Payments Incoming Team, at Nationwide, by 3pm that day. Any requests received after the 3pm deadline will normally be processed the next working day.

CHAPS conditions of transfer

CHAPS conditions of transfer

  1. Your name, address and account number will appear on this transfer and on any related messages through the payment chain.
  2. The administration fee is non-refundable.
  3. Provided there is no negligence on the part of Nationwide and/or its agents, then Nationwide and its agents shall not be liable for any claims or losses arising as a result of money:-
    1. not received by the receiving bank or the beneficiary; or
    2. rejected by the receiving bank or beneficiary; or
    3. for any reason, delayed whilst in transmission to the receiving bank or the beneficiary; or
    4. being recalled by you.

Subject to the above, Nationwide will make every effort to trace the funds and notify you of the outcome.

  1. Nationwide does not give advice on the currency used.
  2. Please be  aware that no funds can be transferred from your account until your request has been received within the CHAPS and Foreign Payments Incoming Team at Nationwide.

Note: Making payments through CHAPS should mean the recipient will receive the funds the same day, provided your instructions are received into the CHAPS and Foreign Payments Incoming Team at Nationwide normally by 3pm that day. Any requests received after the 3pm deadline will normally be processed the next working day. 

Note: If you require an investigation into a payment processed by us, please be aware that agent banks may levy charges for their parts in this service. These charges are not within Nationwide’s control and will usually be passed on to you. 

Further information on CHAPS payments (including exclusions and restrictions) can be found in Nationwide's Sanctions Policy Statement - Payments.

CHAPS FAQs

If you've made a CHAPS payment in the last 12 hours and you'd like to stop it from being processed, please contact us as soon as you can and we'll endeavour to stop the payment for you.

There's no maximum amount when making a CHAPS payment.

Unfortunately, there's no facility to set up regular payments via CHAPS. You’ll need to resubmit your details each time you make a payment.

If you've made a CHAPS payment in error, please contact us as soon as you can and we'll endeavour to recover your funds for you. Please note that there may be some circumstances in which we're unable to retrieve your funds if the payment has already been processed.

Investigating payments

If you require us to investigate a payment processed by us, please be aware that agent banks may levy charges for their parts in this service. These charges are not within Nationwide’s control and will usually be passed on to you.

Use of your information

To complete the payment and comply with applicable legal obligations and prevent crime, the details of your CHAPS & SWIFT payments and SEPA Credit Transfers (including personal information relating to individuals named on the form) may be provided to overseas authorities.

Nationwide must process all CHAPS & SWIFT payment and SEPA Credit Transfer instructions in a manner which ensures they comply with all legal and regulatory requirements for inbound and outbound payments. In order to meet these responsibilities, Nationwide may need to contact internal or external parties for additional information and clarification with regard to CHAPS & SWIFT payment and SEPA Credit Transfer instructions and therefore payments are not guaranteed to be released or received on the same day.

SWIFT payments

SEPA Credit Transfers