When you pay online, you can choose how you pay. A Faster Payment usually sends money right away, but it can take up to two hours. Standing Orders let you set up a repeat payment. Direct Debits let a company request money from your account.
When you pay a UK account online, we’ll use the Faster Payments Service. There is a daily limit of £25,000. Faster Payments can be made 24 hours a day, 7 days a week and sent immediately or set up for the future.
If you want to send more than that in the UK, visit us in branch. There, we can help you send up to £100,000 through the Faster Payment Service or more same-day through CHAPS (CHAPS costs £25 per payment). You can also write a cheque to make a payment.
You can also transfer money between your Halifax accounts instantly, Pay a Contact, pay in a cheque using the app and buy Travel Money online.
Sending money abroad? Find out all about sending money outside the UK or in a foreign currency.
Direct Debits let a company take money from your account, for example to pay a gas bill. Standing Orders let you send a set amount of money on a regular basis, for example to a savings account.
You can set up standing orders easily through Online Banking.
Step 1: Get started
To get started select ‘Payments & transfers’ on the account you want to move money from.
Step 2: Choose when to pay
Once you have selected who you are sending money to, use the ‘Repeat Payment (make this a standing order)’ button and select when and for how long you would like to make the payment for.
Step 3: Check and Set up
It’s easy to check everything’s correct before confirming the payment.
When you see ‘Success’ you know your payment has been sent and the standing order has been set up.
Watch video: how to set up a standing order
You will be able to view, add, change or delete any of your standing orders whenever you want through Manage transactions in your Online Banking.
If you need some help with setting up standing orders, just call us on 0345 720 3040.
With a Direct Debit, you give a company permission to take money from your account. You might use one to pay bills. Lots of companies offer benefits for paying by Direct Debit.
You can see and cancel your Direct Debits online. To set up a new Direct Debit, you’ll need to contact the company you want to pay. Your Direct Debits are covered by the Direct Debit Guarantee.
Important information about Standing Orders and Future Dated Payments
This information applies to the following payment types; Standing Orders, Direct Debits, Cheques and Future Dated Payments.
We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect your payment the next working day.
If you don’t have enough funds in your account at this point to make a payment, we will try to make a payment again after 2.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Online, Mobile or Telephone Banking or pay in cash over the counter in branch.
If you do not have enough funds at the beginning of a day to make a payment:
You have until 2.30pm to pay money into your account to make the payment that day
If a payment takes you overdrawn, you have until midnight to pay money into your account to avoid a daily overdraft fee for that day.
For Standing Orders and Future Dated Payments only
If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. Details of our fees and charges can be found in the Banking Charges guide.
Faster Payments usually arrive within 2 hours, but can take until the end of the next working day. Direct Debits and Standing Orders will be collected shortly after midnight on the due date.
How much can I send?
*Updates and new Standing Orders included
Pay a Contact
We will always have lower limits when you call us.
With Faster Payments you can send up to £25,000* online, £100,000 in branch or £10,000 by calling us every day. Each day runs:
1. 12pm Sunday to 9.59pm Monday
2. 10pm Monday to 9.59pm Tuesday
3. 10pm Tuesday to 9.59pm Wednesday
4. 10pm Wednesday to 9.59pm Thursday
5. 10pm Thursday to 9.59pm Friday
6. 10pm Friday to 11.59am Sunday
*The payment limit for Expresscash customers is £300.
For Bank Holidays, the limit will begin at 10pm the working day before and finish at 9.59pm the working day after.
Your payment limit amount includes bill payments, payments to individuals and new standing orders or any increases to existing Standing Orders. Payments you set up today are counted towards your daily limit for today. So if you set up a standing order for next week, it will count towards today's limit.
Send money outside the UK or in a foreign currency
Use your debit or credit card abroad with confidence, just as you would at home
At the Halifax we know you want to use Online Banking without worrying about security. We take your online security seriously and use state of the art anti-fraud systems to spot unusual activity. We also give you peace of mind with our Online Fraud Guarantee.