How to make high-value payments with CHAPS

CHAPS is a payment method you can use to send high-value or time-sensitive payments in the UK. For example, buying property or making large business transfers that need same-day settlement.

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Send a payment through CHAPS

Make a payment

You can send a CHAPS payment the same way you’d make any transfer from your Tide account:

If you're sending up to £250,000, both CHAPS and Faster Payments (FPS) will appear as options. If you're sending more than £250,000, CHAPS is the only available option.

CHAPS payment limit

With Tide, you can send CHAPS payments of up to £1 million (subject to your ).

CHAPS processing timeline

All CHAPS payments are processed via the .

If the payment is sent Monday to Friday, 8am–4pm (excluding bank holidays), you get same-day guaranteed settlement.

Payments made outside these hours settle the next working day. Some payments might take longer if they require additional checks.

Should I use CHAPS or Faster Payments?

Use Faster Payments (FPS) for low or regular-value payments that you want to arrive instantly. They're either free or cost 20p depending on your plan.

Use CHAPS if you're sending a UK, high-value payment and need it settled on the same working day.

CHAPS payment fees

If you’re on a Lite or Smart plan, some of your transfers could be billed on a hybrid model. Find out more about this .

	Free	Smart	Pro	Max
CHAPS payment fee	£15 £15	2 free payments, then £15	2 free payments, then £15	5 free payments, then £15

Free

Smart

Pro

Max

CHAPS payment fee

£15

2 free payments, then £15

5 free payments, then £15

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Troubleshooting your CHAPS payments

Need to recall a CHAPS payment?

If you’ve sent a CHAPS payment by mistake, tap in your app immediately. We can’t guarantee recovery, but we can ask the beneficiary bank to return the funds. The outcome depends entirely on the beneficiary and their bank. You can also contact the recipient directly.

CHAPS payment returned to the sender?

CHAPS payments must include your exact , exactly as shown in your Tide app:

Payments with missing or incorrect details will be rejected and returned by our banking partner. We can’t amend these payments. If yours was returned, please ask the sender to re-send it with the correct details.