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Personal Business

How do I send a CHAPS payment?

You can make a CHAPS payment online, if you have requested this facility to be added:

  1. Login to online banking
  2. Select ‘Payment and transfers’ from the left hand menu
  3. Select ‘Make a CHAPS payment’
  4. Select the account you wish the payment to come from
  5. Select the payee you wish to pay
  6. Enter the amount
  7. Enter required reference (optional)
  8. Complete the ‘Additional details’ section, selecting the correct dropdown menu answers for the financial institution/property/purpose questions
  9. Click ‘Continue’ and select the reason for the payment
  10. If happy to continue select ‘Continue with payment’
  11. Choose an approver or leave as ‘Any approver’
  12. Use your security token to verify the payment
  13. Click ‘Confirm payment’.

CHAPS payments sent online are guaranteed same day, as long as the request is received by 5.30pm.

Once a CHAPS payment has been sent it can't be returned. There may be occasions where your payment is subject to extra checks. This may mean that your payment may not be processed until the following working day.

Alternatively, you can send your request by email to chapsrequests@co-operativebank.co.uk, please include:

  • Your business account details
  • The beneficiary account details
  • The payment details and any reference

The request needs to be signed in accordance with your signing authority on the account.

Emailed requests are guaranteed same day, as long as the request is received by 4.30pm for UK CHAPS, and 2pm for Euro CHAPS/TARGET2 requests.

Once a CHAPS payment has been sent it can't be returned. There may be occasions where your payment is subject to extra checks. This may mean that your payment may not be processed until the following working day.

Additional charges may apply, please refer to your account tariff for details.