Payment services

Cater Allen accepts and makes payments in line with the Payment Services Directive issued by the European Commission.

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

Withdrawals and payments

Payment Type Cut-off time (Contact Centre) Cut-off time (online) When the money usually arrives at the recipient's bank
Sending money within the UK by CHAPS payment (same day payment in pounds to all other banks in the UK) 4pm No cut-off time applicable If requested before 4pm, money will normally be paid to the beneficiary before 9pm on the same business day
Faster Payments (in pounds) 8pm No cut-off time applicable Within 2 hours 1
Standing order/future dated payment (in pounds) 8pm on business day before payment due 8pm on business day before payment due Business day on which payment is due
Sending money outside the UK (non-euro) 2.30pm 2.30pm (cut-off time for same day processing) Within the EEA - same business day (if received until cut-off time, if after then it will be the next business day) Outside the EEA - usually within 4 business days
Sending money outside the UK by SWIFT payment (in euros) 2pm 2pm Same business day
Payment in US dollars 2.30pm 2.30pm May take up to 4 business days
Other payment not in pounds or euros 2.30pm 2.30pm May take up to 4 business days 2

1 We process these payments via Santander. There may be a delay in processing your payment transaction while fraud prevention checks take place.
2 This will depend on the currency and destination of your payment. For more information call us on 0800 092 3300.

Declined payments

If we refuse to allow any withdrawal, or to make any payment, from your Account, we will (unless it would be unlawful for us to do so) tell you by the end of the next Business Day following the Business Day we received your withdrawal or payment request that we have done so, 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.

Visa Debit Card Holders

Cater Allen customers with Visa Debit Cards can contact us to cancel a recurring Debit Card payment; clients must notify us before the end of the Business Day before the next payment is due.

Full details of all items relating to our payment services can be found in our account Terms and Conditions and A Guide to Your Account.

A Guide to your Account

  • For prospective customers or existing customers who have been informed that the changes to their account have gone live A Guide to Your Account.
  • For existing customers who have not been informed that the changes to their account have gone live A Guide to Your Account.

Personal Terms and Conditions

Non Personal Terms and Conditions

Where can I learn about my rights when making payments in Europe?

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