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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.

For a same day payment, you have until 2.00pm to arrange the payment in branch.

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 3:00pm 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.
  • £20,000.00 per working day for premier customers.
  • £20,000.00 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.