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Payment services

It's easy to make payments in pounds from your Cater Allen account.

The sort code for all Cater Allen accounts is 16-57-10.

You can make single payments or multiple payments online. Payments are usually received by the payee as soon as funds leave your account. But in some cases, it can take up to 2 working days.

Can't log on to your account? Visit our Troubleshooting page for help. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section to get started.

How to make a payment

Faster payments and CHAPS can be made from your account if the request is in accordance with your bank account mandate.

Payments over £100,000 will be sent as a CHAPS payment, and there will be a fee. See our Banking Tariff (pdf) for more information.

You can make a payment using Internet Banking:

  • log on to Internet Banking
  • go to 'Payment services' from the top left menu
  • click 'Make a payment' from the left-side menu
  • select 'Account type' and choose the account to make the payment from
  • select 'Payee' from the payee drop down (or set up a new payee)
  • amend 'Payee reference'
  • add when to make the payment, the amount and what the payment is for
  • tick to confirm you want to make the payment, then click 'Continue'
  • enter your Personal Access Code (PAC), One Time Passcode (OTP) and click 'Submit'.

If your account is two or more to sign, each additional signer must approve the request before 23:59, the same day or authorised before 5pm for CHAPS by following these steps:

  • log on to Internet Banking
  • click 'Authorisation' on the top right menu
  • approve the transaction.

Or you can call or write to us to find out more about making payments.

Can't log on to your account?

Visit our Troubleshooting page for help. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section to get started.

You can make a same-day payment in Internet Banking:

  • log on to Internet Banking
  • click 'Payment services' on the top left menu
  • click 'Make a payment' on the left-hand side menu
  • select 'Account type' then 'Debit account'
  • select 'Add new payee' from 'Payee name' drop down
  • enter 'Payee name', 'Payee reference', 'Sort code and account number'
  • select 'Pay now', enter 'Amount' and choose 'Payment Reason'
  • tick to confirm that you are sure you want to make the payment
  • click 'Continue'
  • check the details then scroll to the bottom of the screen
  • enter your Personal Access Code (PAC), One Time Passcode (OTP), click 'Submit’.

If your account is two or more to sign, each extra signer must approve the request before 23:59, or authorised before 5pm for CHAPS that day.

How to approve the request:

  • log on to Internet Banking
  • click 'Authorisation' on the top right menu
  • approve the transaction.

Alternatively, you can call us or write to us to find out more.

Can't log on to your account?

Visit our Troubleshooting page for support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section to get started.

You can change the reference of someone you've paid before using Internet Banking:

  • log on to Internet Banking
  • click 'Payment services' on the top left menu
  • click 'Make a payment' on the left-hand side menu
  • select 'Account type' then 'Debit account'
  • select the payee from the payee drop down
  • delete existing reference in 'Payee reference' and type in new reference
  • click 'Pay now' or 'Pay Later' and enter the payment date using the calendar icon
  • enter 'Amount' and choose 'Payment reason'
  • tick to confirm that you want to make the payment
  • click 'Continue'
  • check the details then scroll to the bottom of the screen
  • enter your Personal Access Code (PAC), One Time Passcode (OTP), click 'Submit’.

Alternatively, you can call us.

Can't log on to your account?

Take a look at our Troubleshooting page support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

You can make bulk (multiple) payments from accounts with the same customer number using Internet Banking:

  • log on to Internet Banking
  • click on 'Payment Services' from the top left menu
  • click on 'Bulk Payment Upload' on the left-hand side menu
  • select 'Account type'
  • select the debiting account in the drop down or, if you are debiting from multiple accounts select 'Multiple debit accounts'
  • enter the 'Total volume/number of transactions' you are making
  • enter the 'Total amount' in £s of all payments added together
  • for your own records, create a unique 'Batch reference' for this upload
  • enter the 'Payment date'
  • upload your payment template (see top tips below for support)
  • click 'Confirm' you want to make the payment
  • click 'Continue'
  • click 'Continue' in the upload summary pop up box
  • all payments are displayed on screen, click 'Authorise'
  • enter Personal Access Code (PAC), One Time Passcode (OTP), click 'Submit’.

The screen will show confirmation of your payments upload.

Same day bulk payments have to be uploaded by 9:30pm on the day you make the payments.

If your account is two or more to sign, for Bulk payments each additional signer must approve the request before 10pm on the same day, or authorised before 5pm for CHAPS that day by following these steps:

  • log on to Internet Banking
  • click 'Authorisation' on the top right menu
  • approve the transaction.

If you miss the Bulk Payment cut off time, the payment file will need to be uploaded again, digitally.

Can't log on to your account?

Take a look at our Troubleshooting page support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

You can delete someone you have paid before using Internet Banking.

  • log on to Internet Banking
  • click 'Payment Services' on the top left menu
  • click on 'Manage Payee' on the left-hand side menu
  • select the 'Account type' (For business accounts, select Business Account from the drop down)
  • a table will appear showing all payees
  • click on the payee to display the edit options
  • click on 'Delete Payee'
  • click on 'Delete' then 'Submit'
  • check the details then scroll to the bottom of the screen, click 'Submit'
  • read any alerts shown and click 'Proceed’.

Alternatively, you can call us.

Can't log on to your account?

Take a look at our Troubleshooting page support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

If you want to make a transfer between your Cater Allen business and personal account, you need to follow the process for 'Making a payment'.

Transfer money between your sterling accounts and your currency in Internet Banking.

Sterling accounts transfer:

  • log on to Internet Banking
  • click 'Payment Services' on the top left menu
  • click 'Account transfer' on the left-hand side menu
  • select 'Account type'
  • select the account numbers you would like to debit and credit
  • choose 'Pay now' or 'Pay later'
  • confirm 'Payment date' if making a future dated transfer
  • enter 'Amount'
  • type a reference in the comments box and the reason for the payment
  • tick to confirm you want to make the transfer then click 'Continue'
  • review and click 'Submit'.

If your account is two or more to sign, each extra signer must approve the request before 23:59, or authorised before 5pm for CHAPS that day, following these steps:

  • log on to Internet Banking
  • click 'Authorisation' on the top right menu
  • approve the transaction.

Currency account transfer:

  • log on to Internet Banking
  • click 'Payment Services' on the top left menu
  • click 'Account transfer' on the left-hand side menu
  • select 'Account type'
  • select the account numbers you would like to debit and credit
  • choose 'Pay now' or 'Pay later'
  • confirm 'Payment date' if making a future dated transfer
  • input the amount, then enter and the applicable exchange rate will be confirmed
  • type a reference in the comments box and the reason for the payment
  • tick to confirm you want to make the transfer then click 'Continue'
  • review and click 'Submit’.

If your account is two or more to sign, each extra signer must approve the request before 23:59, or authorised before 5pm for CHAPS that day, following these steps:

  • log on to Internet Banking
  • click 'Authorisation' on the top right menu
  • approve the transaction.

Alternately, you can call us or write to us.

Can't log on to your account?

Take a look at our Troubleshooting page support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

You can set up and view future dated payments using Internet Banking.

Set up future dated payment:

  • log on to Internet Banking
  • go to 'Payment Services' from the top left menu
  • click 'Make a Payment' from the left-side menu
  • select 'Account type' and choose the account to make the payment from
  • select 'Payee' (or set up a new payee)
  • amend 'Payee reference' (if required)
  • select 'Pay later' and enter the payment date using the calendar icon
  • confirm the amount and what the payment is for
  • tick to confirm you want to make the payment, click 'Continue'
  • enter your Personal Access Code (PAC), One Time Passcode (OTP), click 'Submit’.

If your account is two or more to sign, each extra signer must approve the request before 23:59, or authorised before 5pm for CHAPS that day, following these steps:

  • log on to Internet Banking
  • click 'Authorisation' on the top right menu
  • approve the transaction.

View future dated payments:

  • log on to Internet Banking
  • go to 'Payment Services' from the top left menu
  • click on 'Future dated payments' from the left-hand menu
  • select 'Account type' and the account
  • a table showing all future dated payments is now displayed.

Alternately, you can call us.

Can't log on to your account?

Take a look at our Troubleshooting page support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

Cancel a payment with a future date

This is not currently available through Internet Banking, please call us.

If you need to make a regular payment to someone, on the same date, you can set up a standing order.

You're unable to make a notice withdrawal instruction using Internet Banking.

Please call or write to us.

Making payments to Ukraine

Yes, you can continue to make them by phone. Avoid any delays by including the payee's address.

We try to keep delays to a minimum. We do need to make extra checks to make sure we comply with the latest sanctions, so some payments could be delayed. There could be sometimes when sanctions are made.

This helps with the additional checks we need to undertake to make sure we comply with the latest sanctions. If we don't have the address, we may need to contact you for it before we make the payment, which will cause additional delays.

As part of our response to the current crisis, we are not charging the international payment fee of £25 for payments to Ukraine. You may be charged the fee at the point you're making the payments, but it will be refunded to you by the end of the next working day automatically. Please make sure you choose the option to pay the fee when you make the payment, don't request for the fee to be paid by the recipient in Ukraine.

Additionally, there'll be no processing fee for customers wishing to deposit cheques from Ukrainian banks.

International payments to Russia and Belarus are restricted as we comply with all recently imposed sanctions on both countries. The situation is constantly changing, so if you're making payments to these countries, please be aware that there will be delays while we review them and, in some instances, it may not be possible to make them.

Receiving payments from Ukraine

We are working to get money received by us from Ukraine paid into accounts with minimum delays but given the current situation we need to make extra checks which could delay receipt of your payment. We will aim to check payments as soon as possible. As payments need to comply with the latest sanctions, in some instances, it may not be possible to make them.

The senders have traced the payment, which tells me it has arrived with Cater Allen – where is it?

Once a payment reaches us, we may need to make additional checks to make sure we comply with the latest sanctions. We're working on things as fast as we can to keep delays to a minimum. As payments need to comply with the latest sanctions, in some instances, it may not be possible to make them.

International payments from Russia and Belarus are restricted. This is because we need to comply with all recent sanctions in both countries. Things are always changing, so if you're getting payments from these countries, please be prepared for delays.

Using Cater Allen debit or credit cards

No. Your debit or credit card won't be accepted to make a payment in Russia. This is because Mastercard and Visa have made the decision to suspend processing payments to, and from, Russia.

How can I help the situation?

You can make a donation towards humanitarian aid with the Red Cross or UNHCR websites. Santander Group has donated €1m.

Payment Support

You can make payments online, by post or by calling us up to the maximum daily limits below:

Account Type Single payment limit online Maximum daily payment amount online Contact Centre or post Transfer - Online or contact centre Bulk (multiple) payments
Personal Banking, Pension SIPP, Power of Attorney, Executor, Court of protection, Society, Club, Association & Charity accounts £24,999 £99,996 Unlimited Unlimited £24,999
Business Banking, Trust, SSAS Pension £100,000 Unlimited Unlimited Unlimited Unlimited
Currency Personal accounts Not currently available online Not currently available online Unlimited Unlimited n/a
Currency Business accounts Not currently available online Not currently available online Unlimited Unlimited n/a

Payment Type Cut-off time
Phone		 Cut-off time
Online		 When the person you're paying will usually receive the money
Internal transfer 6pm Any time Immediately
Payments within the UK in pounds sterling
Faster Payment 6pm Any time1 Immediately2
CHAPS 4pm Not available Same working day
Other payments, including foreign currency and international payments
In pounds sterling to accounts...
outside the UK 2.30pm 2.30pm Next working day
In euros to accounts...
inside the UK or EEA 2pm 2pm Same working day
outside the EEA Up to 4 working days (this will depend on the destination of the payment)
within SEPA 2.30pm 2.30pm Next working day
In US dollars to accounts...
inside or outside the UK 2.30pm 2.30pm Up to 4 working days (this will depend on the destination of the payment)
In any currency other than pounds sterling, euro, or US dollars to accounts...
inside or outside the UK 2.30pm 2.30pm Up to 4 working days (this will depend on the destination of the payment)

1 Bulk payments - Same day Bulk uploads must be uploaded by 8.30pm on the day of the payments. Files will fail to process if not authorised before 9pm by all required signers and will need to be digitally uploaded again.

2 We process these payments via Santander. There may be a delay in processing your payment transaction while fraud prevention checks take place.

A payment reference helps the person you're paying know the money is from you.

If you're paying a bill, like your credit card bill, the card company will ask you for a specific reference. This is usually the long card number on your statement. This is to confirm it's your account.

If you're paying a friend or family, you can choose the reference.

A payment could be returned to your account for a few reasons.

It may be that:

  • The sort code or account number wasn't recognised
  • The account could be closed
  • The reference information on the payment is incorrect, for example, when paying a credit card, the payment reference should be taken from the credit card statement. It's usually the long number across the front of the card.

If we refuse to allow any withdrawal, or to make any payment, from your account, we'll tell you this by the end of the next working day or the following business day we receive your withdrawal or payment request (unless it would be unlawful for us to do so). 

We'll tell you the reason why we refused and if you think we have based our decision on mistaken information, how you can ask us to rectify that mistake.

The European Commission has a leaflet explaining your rights when making payments in Europe. You can find it on their website.

As the UK has now left the European Union, you can find further information about making payments here.