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CHAPS and International Payment options

We offer you several convenient ways to send or receive money worldwide. Choose one of the following options to help you decide which is the best for your needs:

> Sending a payment to someone within the UK

> Sending a payment to someone overseas

> Receiving money via a CHAPS or International Payment

> Requesting a Foreign Currency Cheque

> Depositing a Foreign Cheque

> Tariff of charges

When you make a CHAPS or International payment from your account you will need to visit a Santander branch. Please ensure you take your Santander Visa Debit card or Santander Passbook and proof of your ID such as a valid Passport or Driving License. You may also be asked some standard security questions regarding your account. For further details of other acceptable ID please call 08459 724 724*.

Sending a payment to someone within the UK

You can send a CHAPS payment. The money will normally be credited to the beneficiary account on the same day that your account is debited, although we cannot guarantee exactly what time. You will need to let us know the beneficiary's full name, sort code and account number.

Sending a payment to someone overseas

We offer two options for sending a payment overseas. You can choose either an International Payment or send a Sterling Payment outside UK.

If you choose to send an International Payment, Santander can offer a choice of 17 different currencies. You can choose from:

Australian Dollar

Canadian Dollar

Danish Krone

Euro

Hong Kong Dollar

Indian Rupee

Japanese Yen

New Zealand Dollar

Norwegian Krone

Polish Zloty

Singapore Dollar

South African Rand

Swedish Krona

Swiss Franc

Thai Baht

United Arab Emirates Dirham

United States Dollar

Important things to note:

  • You will need to let us have the correct account information for the person you want to pay and the details of their bank. This includes their full name, the Bank Identifier Code (BIC) of the beneficiary's bank and the beneficiary's account number or IBAN (International Bank Account Number). Please note you must supply the beneficiary's IBAN for Euro payments to countries in the European Economic Area.

  • If you choose to send a Euro payment to a European Economic Area country that has adopted the Euro as its local currency, the funds will normally be credited to the beneficiary within one working day. For any other currency sent to a European Economic Area country (including Sterling Payments outside of the UK ) it will take up to four working days for the funds to reach the beneficiary.

  • If you choose to send a US dollar payment to the United States of America, the payment should normally arrive with the beneficiary on the same day.

  • If you choose to send any other currency outside the European Economic Area, it will take up to five working days for the funds to reach the beneficiary.

  • When an International Payment is handled by a correspondent bank before it reaches the beneficiary bank, that bank or the beneficiary bank may deduct a charge before sending the money to the beneficiary. Santander has no control over the amount these banks may charge.

  • Alternatively you may wish to send a Sterling Payment outside of the UK. This option can only be used where the overseas bank accepts Sterling payments. This method is useful when you are transferring money overseas to an account that is held in Sterling. These payments will be routed via a UK correspondent bank. If a Sterling payment is being sent outside the European Economic Area a charge might be deducted by the correspondent bank or the beneficiary bank. Santander has no control over the amount these banks may charge. Sterling Payments being sent outside of the European Economic Area will normally take up to 5 days to reach the beneficiary.

Receiving money via a CHAPS or International Payment

  • You will need to provide the sender with your full name, sort code and account number, (or IBAN International Bank Account Number if your account has one). For International payments from abroad you will also need to provide the sender with Santander's Bank Identifier Code (BIC) which is ABBYGB2L.

  • If the funds are received in a foreign currency we will automatically convert them into Sterling using our exchange rate, on the day we receive the funds.

  • The funds will normally be credited to your account on the same day we receive them. If it is an International Payment we will credit your account providing we receive the payment by no later than 5pm.

  • Although we do not levy a charge to receive an International Payment, other banks may deduct a charge from the payment before it reaches us. These are beyond our control.

Requesting a Foreign Currency Cheque

The process operates just like a UK cheque except that the cheque is drawn in a foreign currency. Key things to note:

  • When you visit a branch to request a Foreign Currency cheque it will be generated and handed to you straight away.

  • We will debit your account immediately for the equivalent Sterling amount using our applicable exchange rate.

  • If you wish to cancel the cheque after we have issued it to you, we can do this but there will be a charge for this. Due to exchange rate fluctuations you may receive back less than you originally paid.

  • If you notify us that the cheque is lost or stolen we will place a stop on this and refund your account, but there will be a charge for this. It will take at least five working days for your account to be re-credited. Due to exchange rate differences you may receive back less than you originally paid.

  • If after six months the payee has not presented the cheque for payment, we may cancel the cheque. Your account will be re-credited with the Sterling amount, based on our exchange rate on the day we stop the cheque. This means you may receive less back than you originally paid.


Depositing a Foreign Cheque

You can pay cheques drawn in a foreign currency into your account as long as they've been made payable to you and are no more than 6 months old. There are two different methods of clearance available to process these cheques.

  • The first option is via Collection. The value of the cheque after conversion must exceed 100. This is to ensure that there are sufficient funds to cover any correspondent charges. We will normally send the cheque to the bank where it originated from, requesting payment on your behalf. In this case we'll need to wait to receive the proceeds before crediting your account. Cheques cleared this way usually take between 4 and 8 weeks to clear, depending on the country they are drawn on and there are normally clearance charges. The relevant exchange rate will be applied when we receive the cheque proceeds from the foreign bank. If we are notified that the cheque will not be paid, there will normally be additional charges from correspondent banks and we will also apply our own charges. These will be debited from your account immediately.

  • Alternatively, and at our discretion, we can arrange to process via Negotiation method. To be processed via this method, normally the cheque must not exceed 5,000 equivalent after conversion. We credit your account after 6 working days without needing to receive confirmation of clearance from the bank on which the cheque was drawn. We do, however, reserve the right to debit your account if the cheque is later returned unpaid. If this happens, there will be additional charges. The amount on the cheque will be converted to Sterling at the exchange rate on the day we process the cheque. However the funds will remain uncleared for 6 working days and you will only be able to draw against these after the 6th working day.


You must be the named Payee of the cheque to utilise either service.

Tariff of charges

The following is a tariff of charges for CHAPS Payments, International Payments (including Sterling being sent outside UK), Foreign Currency Cheque withdrawals and Foreign Cheque deposits. Exchange rates vary from day to day, and charges on services may change at short notice. Please ask for confirmation when you use one of the services. You can request these details at any of our branches or by calling us on 0845 9 724 724*.

Sending Funds

Foreign Currency Cheque

10 per cheque issued.

25 to stop a Cheque.

International Payments

25 per transfer when sending Sterling outside UK.

25 per transfer when sending Foreign Currency abroad.

NB. There may be additional charges levied by the Correspondent banks and/or beneficiary bank. We have no control over these charges.

CHAPS Transfers

25 per transfer

Receiving Funds

International Payment from abroad

No Charge. NB. Charges may be deducted from the transmitted funds by any intermediary bank used. Santander has no control over these charges.

CHAPS Transfers

No charge

Foreign Cheque Deposit

Negotiation method- 10

Collection method- 10, plus any applicable Correspondent bank charges.

Unpaid Foreign Cheque- 5 plus any additional correspondent bank charges.

NB Where we credit your account via Negotiation, if the cheque is subsequently returned unpaid your account will be debited using our current exchange rate. This could mean that you are debited for a greater amount than was originally credited.