How to create a standing order in online banking

Text guide: how to create a standing order

In this step-by-step guide, we’ll explain how you can use online banking to easily set up a standing order. This is helpful if you want to make regular, recurring payments to a person or a business that’s based in the UK.

International payments work differently — you can find out more in our guide to making international payments.

Before you begin

You’ll need a few things handy, including access to your phone and emails so you can receive a verification code. You’ll also need:

The payee's details

• The name of the person or business you're paying.
• Their account number and sort code.

Details of the transfer

• The amount you wish to pay.
• The date you wish to make the first payment, the date of the last payment if you want there to be one, and how often you wish to pay.

To begin, choose which account you want the standing order to come from

1. First, log in to online banking using your login details.

2. Then, select ‘Pay and transfer’ from the menu on the left.

3. Next, select the account you’d like the standing order to come from.

Then, decide who you want the standing order to be paid to

• If you’re setting up payments to an account you’ve paid before — select ‘Pay a saved payee’ and select your saved payee.
• If you’re setting up payments to an account you’ve not paid before — select ‘Pay someone new’, select ‘In the UK’, and then enter the payee’s name, sort code, and account number. If you’re paying a business, select the ‘Pay a business’ tick box. If you’re not, then you do not need to select this. You'll also need to enter a reference for the payment. Finish adding a new payee by clicking ‘Verify payee’. This can help you make sure you’re sending money to the right account and avoid potential scams.

Next, confirm the details of the standing order

1. You’ll then be taken to the ‘Payment details’ page. Here, you’ll need to enter the amount you want to transfer. Then select the ‘Pay later or create a standing order’ tick box underneath. Next, click on ‘Create a standing order’.

2. You’ll then be taken to the ‘Standing order details’ page. Here, you can select ‘Set a different first payment’ if you wish to pay a different amount for the first payment. And if you haven’t done it already, you’ll need to enter a reference.

3. Then select the payment frequency, select a payment start date, and select whether you want to set a final payment date. Finish setting up the standing order by clicking ‘Continue’.

4. If you’re paying a new payee, you’ll need to answer some questions about fraud and scams — it’s important that you read these each time, and think about whether the payment you’re trying to make could be part of a scam. This will help you keep your money safe. After you answer each question, click ‘Continue’.

5. Next, you’ll need to confirm whether you’ve read the fraud and scam information, and if you still want to set up the payment. If you agree, select the tick box and click ‘Continue payment’.

6. You’ll then be taken to the ‘Confirm details’ page, where you can review the payment details. If they’re correct, click ‘Confirm and pay’. If something’s not right, you can click on ‘Edit payment details’ instead.

7. Once you’ve clicked ‘Confirm and pay’, we may send you a verification code by text or email. On the ‘Verify it’s you’ page, you’ll need to enter this code, along with your password. This is for security, to make sure it’s really you making the payment. After you’ve done this, click ‘Verify code’.

8. We’ll then process your payment request.

Finally, check if your standing order setup has been successful

If you want to make any changes in the future

If you’d like to make any changes to your standing order, or view or change any of your other scheduled payments, simply select ‘Scheduled payments’ in the dashboard. If you’re using a mobile or tablet, select ‘Menu’ and then ‘Scheduled payments’.