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 bulk (multiple) payments online and payments are usually received by the payee as soon as the funds leave your account though in some cases, they can take up to 2 working days. Cater Allen accepts and makes payments in line with the Payment Services Directive issued by the European Commission.

How to make payments

Making a payment

Faster payments and CHAPS can be made from your account following an instruction given in accordance with your bank account mandate.

Payments over £100,000 will be sent as a CHAPS payment and a fee will apply, please see our Banking Tariff for more information.

You can make a payment within 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 by 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? Visit our Troubleshooting page for support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

Paying a person for the first time

You can make a same day payment within 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 preconfirmation 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 additional signer must approve the request before 23:59 the same day by 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? Visit our Troubleshooting page for support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

Change the reference of someone you've paid before

You can change the reference of someone you've paid before within 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.
  • Select '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 are sure you want to make the payment
  • Click 'Continue'
  • Check the preconfirmation details then scroll to the bottom of the screen
  • Enter your Personal Access Code (PAC), One Time Passcode (OTP), click 'Submit'.

Alternately, you can call us.

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 today to get started.

Bulk (multiple) payments

You can make bulk (multiple) payments from accounts with the same customer number within 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 must be uploaded by 9:30pm on the day of 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 by following these steps: 

  • Log on to Internet Banking
  • Click 'Authorisation' on the top right menu
  • Approve the transaction.

If the cut off time is missed the payment file will need to be digitally uploaded again.

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 today to get started.

Delete a payee

You can delete someone you have paid before within 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, also select Business Account from the drop down)
  • A table will appear displaying all applicable payees
  • Click on the required payee to display the edit options.
  • Click on 'Delete Payee'
  • Click on 'Delete' then 'Submit'
  • Check the preconfirmation details then scroll to the bottom of the screen, click 'Submit'
  • Read any alerts shown and click 'Proceed'.

Alternately, you can call us.

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 today to get started.

Transfer between your Cater Allen accounts

Moving money between your own accounts in the same name with us is called transferring.

If you wish to make a transfer between your business and personal account with Cater Allen please follow the process for 'Making a payment'.

You can transfer money between your sterling accounts and your currency and sterling accounts within 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 additional signer must approve the request before 23:59pm the same day by 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 additional signer must approve the request before 23:59pm the same day by 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? Visit our Troubleshooting page for support. If you haven't signed up for Internet Banking yet, visit our Registration and logging on section today to get started.

Set up, view, and cancel future dated payments

You can set up and view future dated payments within 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 additional signer must approve the request before 23:59pm the same day by following these steps:

  • Log on to Internet Banking
  • Click 'Authorisation' on the top right menu
  • Approve the transaction.

 

View future dated payment

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

 

Cancel Future Dated Payment

This service is currently unavailable though Internet banking, please call us.

Making regular payments

If you need to pay someone regularly, say on the 15th of every month, you can set up a standing order so you don't need to manually make the payment every time.

Withdraw from your notice savings account

We are unable to take a notice withdrawal instruction in Internet Banking.

Please call or write to us.

Making Payments to Ukraine

Can I make payments to Ukraine?

Yes, currently you can continue to make them by phone. Please include the recipients address to help avoid delays.

Are payments to Ukraine delayed at the moment?

Whether you're paying a person or a business, 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 payments may be delayed. As payments need to comply with the latest sanctions, in some instances, it may not be possible to make them.

Why do I need to provide the recipient's home address?

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.

I need to send money to Ukraine – will you charge me?

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.

Can I make payments to Russia and/or Belarus?

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

Are payments from Ukraine delayed at the moment?

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.

I’m expecting a payment from Ukraine which isn’t showing...

...in my account. The senders have traced the payment, which states 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.

Are payments from Russia and Belarus delayed at the moment?

International payments from 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 receiving payments from these countries, please be aware that there will be delays while we review them and, in some instances, it may not be possible to receive them.

Using Cater Allen debit or credit cards

Can I use my Cater Allen card in Russia?

No. Currently your debit or credit card won’t be accepted to make a payment in Russia, as Mastercard and Visa have made the decision to suspend processing payments to and from Russia.

How can I help the situation?

How can I donate to humanitarian aid in Ukraine directly?

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

Payment Support

Payment limits

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, Assocaition & 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

Cut off times

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 banks in the UK) 4pm No cut-off time though payments made after 5pm will be made the next working day If requested before 4pm, funds will normally be paid to the beneficiary before 9pm on the same business day
Faster Payments (in pounds) 6pm No cut-off time, available 24/71 Normally within 2 hours of request being made2
Standing order/future dated payment (in pounds) 6pm 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 Not available online 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 Not available online Same business day
Payment in US dollars 2.30pm Not available online May take up to 4 business days
Other payment not in pounds or euros 2.30pm Not available online May take up to 4 business days3

1 Bulk payments - Same day Bulk uploads must be uploaded by 9.30pm on the day of the payments. Files will fail to process if not authorised before 10pm 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.

3 This will depend on the currency and destination of your payment. For more information, please call us.

Our payment charges

Please view our Banking Tariff for full details of our charges.

Payment references

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 to quote a specific reference (which is usually the long card number on your statement) so they know you've made the payment. 

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

Returned outgoing electronic payments

A payment could be returned to your account for a number of 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.

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.

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.

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

Need more help?

Full details of all items relating to our payment services can be found in our account Terms and Conditions: