Ways to pay

At TSB making payments is fast, easy and secure. We have a variety of ways you can pay, depending on who you need to pay, how much and how quickly. Here are the options we offer and the limits that you need to be aware of.

Please note we also set some other payment limits for security reasons and not all payment methods are available for every account. Your product terms and conditions tell you what options are available to you.

Debit Card

• Make quick, easy and safe purchases, without the need for cash
• You can use in store, online or over the phone
• It’s quick and secure
• No limit, subject to available funds in your account
• For more information please see our debit card FAQs

Contactless

• Available on most debit and credit cards, contactless is fast and secure
• You can use in store and wherever you see the contactless logo
• Subject to available funds. Maximum £100 per transaction
• Please note that the contactless limit may be lower at some retailers
• For more information, please see debit card FAQs

Apple Pay

• Available on most debit and credit cards, Apple Pay is fast, secure and available using most Apple devices
• You can use in store and where you see the contactless logo, in apps and online
• You can make payments quickly, easily and securely using touch or face ID, or a passcode
• Subject to available funds and retailer limits
• For more information please visit our Apple Pay page

Google Pay

• Available on most debit and credit cards, Google Pay is fast, secure and available using compatible Android devices
• You can use in store and where you see the Google Pay logo in apps and online
• You can make payments quickly, easily and securely using your touch or face ID, or a passcode
• Subject to available funds and retailer limits
• For more information please visit our Google Pay page

Direct Debit

• These are generally used for regular payments, particularly important bills, to and from your bank account. Direct Debits allow companies to take money directly from your account, subject to your authorisation
• You can make payments to another UK bank account safely, securely and free of charge. Direct Debits are protected by the Direct Debit Guarantee. This means that should a payment be taken from your account in error, you are entitled to a refund
• You can cancel a Direct Debit via TSB’s Mobile Banking App, Internet Banking, telephone banking or in branch. If you want to change an existing direct debit i.e. change the amount or the frequency, you will need to speak to the Company you have the direct debit with
• Payments are made automatically, saving you time and helping you avoid charges. You might find it helpful to have a look at our overdraft pages to see what services we offer to prevent an unarranged overdraft on our bank account overdraft page
• No limit, subject to available funds in your account
• No fee

Standing order

• These are generally used for regular payments. Make payments to another UK bank account safely, securely and free of charge
• You can set up, amend or delete Standing orders online through TSB’s Mobile Banking App and Internet Banking, in branch or via telephone banking
• Payments are made automatically, saving you time and helping you avoid charges. You might find it helpful to have a look at our overdraft pages to see what services we offer to prevent an unarranged overdraft on our bank account overdraft page
• Maximum £10,000*
• No fee
• When using a payment reference, it should reflect the reason for the payment and make sense to both you and the person you’re sending the money to. For example, if you are sending money to pay a bill, a useful reference might be “Water bill payment”. You shouldn’t use the payment reference field for any other purpose.

Immediate or future payment

• You can send and receive money between UK bank accounts quickly, securely and free of charge
• It’s available online through TSB’s Mobile Banking App and Internet Banking, in branch or via telephone banking. Note, to use this service in Telephone Banking you may need a Personal Security Number
• Payments usually arrive immediately but can take up to 2 hours (in some cases it can take until the end of the next working day – for example if you are using this type of payment to pay a bill)
• Payments set for a future date will be made shortly after midnight on the due date, if this falls on a working day. Payments scheduled for non-working days will be made on the next available day
• Payments are subject to available funds maximum £25,000* online through TSB’s Mobile Banking App or Internet Banking; £10,000* via telephone banking or £100,000* via TSB branch
• No fee
• When using a payment reference, it should reflect the reason for the payment and make sense to both you and the person you’re sending the money to. For example, if you are sending money to pay a bill, a useful reference might be “Water bill payment”. You shouldn’t use the payment reference field for any other purpose.
• For more information, please see the faster payment page

Internal transfer

• This service allows you to move money between your TSB accounts instantly
• Available online through TSB’s Mobile Banking App and Internet Banking, in branch or via telephone banking
• It’s easy to use
• Internal transfers are subject to available funds; the maximum in any one transaction is £1,000,000*

International payments

• This service is available via your current account and allows you to send money quickly, safely and securely in either pounds or local currency
• You can access online through Internet Banking, by visiting one of our branches or by calling us. Note, to use this service in Telephone Banking you may need a Personal Security Number
• The service is also available via the TSB Mobile Banking App, with a smaller number of currencies
• It’s fast and easy to use
• Daily limit £75,000*
• For more information and to find out what charges apply through Internet Banking or the TSB Mobile Banking App please see our online international payments page
  International Payment charges are different in the branch. For more details, please see our banking charges guide
• If you would like to send money abroad from one of our branches, make sure you have the following:
  • Your debit card (for the account the payment is to be made from)
  • The PIN number
  • Additional ID showing your name and address

  CHAPS

  • This service enables you to make same day payments to another UK bank account safely and securely. Generally used for large amounts of money and time sensitive transactions, such as house purchases. Under CHAPS service we guarantee the payment will be made on the same day you ask us to make it
  • CHAPS are available in a TSB branch
  • The payments arrive same day (if instructed before 4.40pm Monday to Friday). Please note: whilst the cut off time is 4.40pm, the process may take some time to complete, so please make sure that your visit to the branch allows for up to 60 minutes for your payment to go through i.e. please visit the branch before 3.40pm
  • There is no limit, but subject to available funds in your account
  • Fee is £30
  • For more information, please see our payment services page

  Cheque

  • Cheques allow you to pay a person or business with a written instruction. Cheques always go through a system called ‘clearing’. This means that we check whether there is sufficient money in the person who wrote the cheque’s account to make the payment. If they do, we say that a cheque has ‘cleared’. More information about our cheque clearing times can be found on our cheque clearing page
  • Cheques can be paid in at any TSB branch, via the TSB Mobile Banking App or the Post Office. To learn how to deposit a cheque using the TSB Mobile Banking App, please see our how to page
  • Cheques are an alternative to cash or card payments. You might find it helpful to have a look at our overdraft pages to see what services we offer to prevent an unarranged overdraft
  • No limits subject to available funds in your account
  • Please note - not all TSB current accounts have cheque books. Please see your Product Terms and Conditions

  Bankers draft

  • This is where you ask us to write a cheque for you, from money in your account
  • These are an alternative to a personal cheque and an alternative to cash or card payments
  • No limits, subject to available funds in your account
  • Bankers drafts are available in a TSB branch
  • No Fee

  Frequently asked questions

  *Limits quoted are daily limits per customer. The daily limit must not be exceeded and applies to branch, over the phone and Internet Banking as a whole.

  Limits provided are for standard retail accounts; under 19s accounts and business accounts have different daily limits.

  How do I make a payment?

  You can transfer money between accounts and make payments through our mobile app, internet bank, telephone bank and in a branch.

  To make a payment in the mobile app, tap "Move money" and then follow the steps on the screen.

  To make a payment through Internet Banking, select the account you want to make the payment from and then select "Make a payment" to make a payment to a third party and follow the steps on screen.

  To transfer money between TSB accounts, select "Make a quick transfer". You will then be shown the accounts you have under “my accounts”. You can use “Make a transfer” to move money to those accounts only.

  If you'd like to do this on the phone, you must already be registered for Telephone Banking. Call us on 03459 758 758 and have your account details handy.

  If you prefer to speak to us face-to-face, visit one of our branches and a TSB colleague will help you.