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Send a payment through CHAPS

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:

  1. Go to the Accounts tab

  2. Tap Send > Make a payment

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 your individual transfer limits).

CHAPS processing timeline

All CHAPS payments are processed via the Bank of England.

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

 
Free
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Smart
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Pro
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Max

CHAPS payment fee

£15

£15

2 free payments, then £15

2 free payments, then £15

5 free payments, then £15

Troubleshooting your CHAPS payments

Troubleshooting your CHAPS payments

Need to recall a CHAPS payment?

If you’ve sent a CHAPS payment by mistake, tap Support 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.