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At Yorkshire Bank, we have a range of options for you to get your money from A to B. Many of the payment types come free as standard with your account. When dealing with larger sums of money or international payments, you might choose one of our paid-for options.
We’ve listed our three most popular payments and a comparison table to help you select the option which suits your needs best.
As a Yorkshire Bank customer you are able to receive and send Faster Payments into and from your account1. This allows quick telephone, mobile, internet and Standing Order payments between your account and other banks and building societies.
1 Payments will only be processed through the Faster Payments Service if both the bank / building society sending and receiving the payment are participants of the scheme.
2 This service may be temporarily unavailable during periods of routine maintenance.
For more information and to check whether the bank or building society you are sending money to can receive Faster Payments visit Faster Payments Website.
You can use your debit card anywhere you see the Mastercard® acceptance mark.
With Clearing House Automated Payment System (CHAPS) payments, you can send and receive Sterling payments on a guaranteed, same-day basis for requests made at a branch before 4pm. £25 fee applies for each payment.
You can make international1 payments with SWIFT from Yorkshire Bank. Fees apply.
1 Some exclusions apply, speak to your relationship manager for details.
SWIFT makes payments simple and convenient for you.
SWIFT transfers can be instructed at any branch.
Payments are given specific value dates ie same-day, next day or ‘spot value' which is typically 2 business days ahead.
Please note, for a same day payment you must visit branch before 10.30am.
We use Value Dates in International banking because currencies fluctuate in value every day, so your payment would be worth more or less bu the time it is received by the beneficiary. Using the Value Date eliminates these discrepancies so you know that the amount you send is the amount that will be received.
|Earliest value date||Currencies|
|Next Day||Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Hong Kong Dollar (HKD), Japanese Yen (JPY), New Zealand Dollar (NZD), Norwegian Krone (NOK), Polish Zloty (PLN), Singapore Dollar (SGD), Swedish Krona (SEK), Swiss Franc (CHF), South African Rand (ZAR), Mexican Peso (MXN).|
(2 working days)
|United Arab Emirates Dirham (AED), Chinese Offshore (CNY), Czech Koruna (CZK), Bulgarian Lev (BGN), Bahraini Dinar (BHD), Hungarian Forint (HUF), Israeli New Shekel (ILS), Indian Rupee (INR), Kuwaiti Dinar (KWD), Moroccan Dirham (MAD), Mauritian Rupee (MUR), Romanian Leu (RON), Saudi Riyal (SAR), Thai Baht (THB), Croatian Kuna (HRK).|
The single euro payments area (SEPA) harmonises the way cashless euro payments are made across the EU. It also applies to payments in euros in other EEA countries: Iceland, Norway, Switzerland, Liechtenstein, Monaco and San Marino.
Payments are given next day value.
Please note, for a next day you must visit branch before 11am.
Our SEPA form can be found in Useful Forms. Please complete this electronically before coming into branch.
It’s not always easy to visit a branch to pay in a cheque, so we’ve made it simpler using some handy technology. You can even do it from your sofa.
To get started:
*Just remember, individual cheques for less than £500 can be deposited one at a time, up to a maximum of £1000 per day. Cheques deposited after 5pm won’t be processed until the next working day.
Your mobile app or security token allows you to make a payment of up to £30,000. If you use a one time passcode via SMS you can make payments of up to £500 with a £1,000 daily limit.
|Payment type||Daily limit||Transaction limit||Timeline||Cost to customers|
|With a one time passcode via SMS||£1,000||£500||Immediate||Free|
|With mobile app or security token authentication||£30,000||£30,000||Immediate||Free|
|Faster Payment/ Telephone banking||£5,000
(per business day)
|Cheque||Image||n/a||n/a*||Next working day||Free|
|Paper||n/a||n/a||4-6 working days||Free|
|Bank giro||Image||n/a||n/a||Next working day (same day for prefunded CYBG Credits)||Free|
|Paper||n/a||n/a||3-6 working days||Free|
|CHAPS||n/a||n/a||Same working day||£25|
|Bank draft||£100,000||£100,000||Immediate (in branch)||£30|
|International payment (SWIFT)||n/a||n/a||Same day||£25|
|International payment (SEPA)||n/a||n/a||Next day||£20|
If you’re an existing customer and wish to discuss your account.
Call0800 678 3380
Or if you're abroad / Outside UK
To give you more protection against fraud we have changed the way you verify payments online and via mobile banking.
We need to ensure it’s really you making the payment before the money leaves your account. How you do this depends on whether you’re using:
No, it’s not for every payment. Once saved the person or company you are paying will become ‘Trusted’. That means you may not need to do the identity check again, unless you change details like the sort code, account number, name or reference.
To make payments of more than £500, or totaling more than £1000 per day, you will now need to use the Mobile Banking App to verify your payments.. Business customers using a One-Time Passcode will no longer be able to make payments greater than £500 and will need to use the mobile app to verify payments.Continue to Internet Banking
You may see a difference to when you’re asked to authenticate a payment via Business Internet Banking and the Mobile App, how you do this will remain the same by using:
For more information visit our online help.
Forgot your business internet banking password, we can help.
Just give us a call on 0800 121 4209
Monday – Friday 8am - 6pm and select Option 2.