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How can I make a CHAPS payment?

You can arrange a same day CHAPS payment between bank accounts in the UK by visiting a branch however there is a charge for this service.

Charges

£23.00 - To send to another bank
£21.00 - To send to another NatWest account

If you are visiting a branch to make a CHAPS payment, you will need to bring your debit card and some ID such as a driving license or passport. As part of our checks, and to help reduce scams, we may ask for further information such as confirmation of payee, what the payment is for and any evidence of this.

For a same day payment, you have until 2.59pm to arrange the payment in branch, or 3:15pm when faxed to the payment centre ( please fax to 0845 300 3390 if in the UK or +44 161 755 7802 if abroad, including RoI)

NatWest branch locator
Find your nearest branch using our branch locator (opens in a new window).

If you are a Premier Banking customer, you can also make a CHAPS payment over the phone if you are enrolled for either Telephone or Online Banking. For a same day payment, you have until 2:00pm to arrange the payment over the phone.

An alternative option

You can use Online Banking to make a payment for free at any time, please see How do I make a payment using Online Banking?

The Online Banking payment limits are:

  • £20,000.00 per working day for personal customers.
  • £50,000.00 per working day for premier customers.
  • £50,000.00 per working day for business customers.

For payments over the Online Banking limit, you can set up separate payments over a number of days. However if you need to send a large payment all in one go you should visit a branch to make a CHAPS payment.