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For large transfers, CHAPS can give you guarantees.
CHAPS is a way of sending money that's guaranteed to arrive on the same day you send it. This is useful if:
For example, it's common to transfer money for house purchases using CHAPS. You can check which banks can receive CHAPS payments with the Bank of England.
Most types of payments have limits to the amount you can send each day. CHAPS doesn't have the same limits but does have a fee and you can only make one in a branch.
If you want to send up to £250,000 in a day, you can do this by Faster Payments in branch. Or you can send up to £25,000 by Online Banking. A Faster Payment usually arrives on the same day within 2 hours, so long as the account you’re sending to accepts them. There's no fee for sending a Faster Payment. You could also pay by cheque if the recipient will accept one. This will take several days to process.
A CHAPS payment to an external bank is guaranteed to arrive on the same day you request it. Here's how that works:
Please note we can't guarantee payments made to other Lloyds Banking Group accounts will arrive on the same day.
To make a CHAPS payment, you'll need to visit one of our branches.
Each payment has a fee of £25.
You'll need to know the recipient's:
Please make sure these details are correct. Any errors will delay the payment.