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Q:

What are the cut off times for standard domestic payments?

A:

Faster Payments

The cut off times for Faster Payments are -

Immediate payment (IPAY) 11:45pm 
Next-day payment (NPAY) 11:59pm
Future-dated payment (FPAY) 11:59pm 

CHAPS payments

The cut off times for CHAPS payments are  -

For non-RBSG (Royal Bank of Scotland Group) CHAPS payments can be made up until 5.30pm; providing there are sufficient funds in the account to cover the payment. If not the cut off time is 3.30pm.

For CHAPS payments made to another RBSG sort code the time is extended to 6.15pm; as long as there are sufficient finds in your account to cover the payment. If not the cut off time is 4.15pm.

Please note CHAPS payments are only made Monday to Friday excluding bank holidays.

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