What are the settlement times for SEPA Credit, SEPA Instant, CHAPS and Faster Payments?

Faster Payment

Arrives within minutes, although sometimes it can take up to two hours. The cut-off times are between 7 AM and 2 PM GMT on working days. 

 

CHAPS payment

Received the same day, provided it is submitted by the bank's cut-off time. 

 

SEPA Credit Transfer

One business day. The cut-off times are between 7 AM and 2 PM GMT on working days. 

 

SEPA Instant Credit Transfer

Less than ten seconds. The cut-off times are between 7 AM and 2 PM GMT on working days. 

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