Payment and transfer limits and timescales

The amount you can send depends on how you’d like to pay. The payment usually arrives immediately, but can take up to 2 hours. From your current account, you can send:

• £0.01 - £10,000 through the Banking app and Internet Bank to new or existing payees
• £0.01 - £9,999.99 at a Nationwide branch to new or existing payees
• £0.01 - £10,000 through ATMs to existing payees only.

Future dated payments

You can schedule payments to go out on a future date:

• if you want a future dated payment to leave your account tomorrow, it must be set it up by 10pm today
• if you set it up after 10pm, the payment will take an extra day
• if you want to change or cancel a payment that's due to leave your account tomorrow, you must do so by 10pm today.

Learn how to send money to a non-Nationwide account

These payments arrive the same day if sent before 3pm. They cost £20 and are called CHAPS payments. They can be made from your current account through the Internet Bank or at a Nationwide branch.

Learn how to make a payment over £10,000

• You can send £0.01 - £5,000,000
• 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.

• You can send £0.01 - £50,000
• Interest is earned on the date the transfer is made
• Please wait until the next working day before you update your passbook.

• You can send £0.01 - £10,000 per transaction
• Your available balance is updated on the same day
• The new balance and transactions will show online the next working day

• You can send £0.01 - £100,000 per transaction
• Transfers will show online the next day
• If you’re making an overpayment, please check your terms and conditions, as some mortgages apply overpayment charges.

• You can send £0.01 - £10,000 per transaction
• Transfers normally arrive the day the payment is made

Timings and costs vary depending on where you’re sending the money:

• sending Euros to a European country can take up to 2 working days
• all other international payments take 4 working days or longer and cost £20.

These can be made from your current account through the Internet Bank or in branch.

Learn how to make an international payment

When you set up a standing order, you choose the date it will leave your current account. If this date falls on a weekend or a bank holiday, it will be made the next working day.

You can send:

• £0.01 - £10,000 through the Internet Bank. These should be set up by 4pm at least one working day before the payment is due
• £0.01 - £9,999.99 at a Nationwide Branch. These should be set up by 5pm at least one working day before your payment is due.

Learn how to set up a standing order

You can change or cancel a standing order:

• in branch - by 5pm at least one working day before it’s due
• through the Banking app or the Internet Bank - by 4pm at least one working day before the payment is due
• over the phone – 3 days before the payment is due.

Learn how to make a change to a standing order

Learn how to cancel a standing order

Give us a call or speak to us in branch. The time it takes for your changes to take affect varies, so it’s best to call us in advance of the payment date.

Give us a call or speak to us in branch at least 10 working days before the payment is due.

Learn how to pay your Nationwide mortgage by Direct Debit

Give us a call or speak to us in branch at least 5 working days before the payment is due.