CHAPS payments

All about CHAPS payments

Our CHAPS service is available for you to make high value UK payments on the same day or next working day, if we receive your request by 3pm (Monday to Friday). 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 most often used to make high value payments in pounds sterling, within the UK. For example, a solicitor would use CHAPS to transfer the payment for a house between buyer and seller.

If you want to make a payment of less than £10,000 you can do this for free as a single payment or quick transfer in our Internet Bank or Banking app – there’s no need to use CHAPS.

There’s a charge for CHAPS payments (for FlexOne, FlexStudent or FlexGraduate the charge doesn’t apply).

How long do CHAPS payments take?

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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

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, FlexStudent or FlexGraduate account the transaction charge is not applicable.

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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

How long does it take?

Processing times

We can only process CHAPS payment requests on working days (not weekends, or bank holidays) and if you make your CHAPS payment by 3pm we’ll try to process it the same day.

When do CHAPS payments reach their destination?

From when you made your CHAPS payment, to when the money arrives in the destination account:

If you made your payment before 3pm on a working day:

  • It should arrive the same day.

If you made your payment after 3pm on a working day:

  • It should arrive the next working day.

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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

Make a payment online 

About online CHAPS payments

If you're registered for our Internet Banking service you can ask us to make a CHAPS payment online from your current account, 24 hours a day, using your card reader. If you don't have a card reader, simply follow the on-screen instructions to complete your transaction.


  • 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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

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 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 Consumer Guide for Payment Service Providers. You can find out more 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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

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.

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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

Important information

Important information

  1. Your name, address and account number will appear on this transfer and on any related messages through the payment chain.
  2. If you provide inaccurate or incomplete information your payment may be rejected or delayed by NBS, beneficiary bank or the beneficiary.

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.

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 for free to your own Nationwide accounts or a single payment if you're paying or transferring to someone else from your current account.

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.

Nationwide must process all CHAPS and 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 and SWIFT payment, and SEPA Credit Transfer instructions and therefore payments are not guaranteed to be released or received on the same day.

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.

SWIFT payments

SEPA Credit Transfers