CHAPS payments
CHAPS stands for Clearing House Automated Payment System. It is a method of making same-day electronic sterling transfers, for any amount, to clearing banks in the United Kingdom.
Request a CHAPS payment
To request a CHAPS payment, please log in to online banking and send a secure message for the account you wish to make the CHAPS payment from. You can send a secure message in the main menu by selecting ‘Help and support’ then ‘Send a secure message.’
If you don't have online banking
You can make a CHAPS payment by:
- Visiting a local branch and bringing your ID
- Calling us - Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday.
If you call us to make a CHAPS payment of over £10,000, you’ll need to make a written request, sign it, and either email it to us at chapsrequests@co-operativebank.co.uk or bring it to a local branch.
What we'll need
We require you to provide us with the following information before a CHAPS payment can be made:
- Sort code and address of the beneficiary bank
- Beneficiary account number and account name
- Any reference number or name to be included with the payment
- The amount to be sent
- The date the transfer is to take place.
Timescales
A CHAPS request received before 4:30pm will be processed the same working day.
A CHAPS request received after 4:30pm will be processed the next working day.
Once a CHAPS payment has been sent it can't be returned.
Charges
There is a standard charge of £25 for each payment.
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