Business banking made easy

From making payments to the cost of borrowing, learn more how your business bank accounts work

Paying money into your account

Find out when funds will appear in your account after you've paid money in.

How long will it take?

The tables below show when money will be available in your account. Remember that depending on the type of account you have, you might be restricted on how many withdrawals you can make or how much you can take out.

Cash

How you pay it in When it will be available to withdraw When we’ll include it in interest calculations
Over the counter at a branch Immediately*1 The same day
Over the counter in cash at another bank or building society Up to three working days after it is deposited at the other bank or building society The same day we receive it (up to three working days after it is deposited at the other bank or building society)
Using a Business Pay In self-service machine The same working day if we receive it before the cut-off time shown in your branch or on the machine*2. The next working day if it’s after that time The same day

We’ll credit the amount on the paying-in slip to your account. If it’s different from the actual amount you pay in, we’ll usually correct your balance within five working days of receiving it
Other self-service machine As soon as we receive the funds The same day

*1 You agree that if you pay in cash in a different currency to your account (other than euros) we don’t have to make it available immediately after we receive it. As long as you’re in a country in the European Economic Area (see Useful terms for what that means) , we’ll make sure we credit the cash to your account by the end of the fourth working day after we receive it.
*2 Please see Useful terms for what we mean by the cut-off time.

Cheques

A cheque will usually go through the central clearing cycle - see Using cheques for details of how it works.

We’ll begin to process the cheque the same day if you pay it in before the cut-off time shown in our branches. If you pay it in after that time, we’ll begin to process it the next working day

How you pay it in When it will be available to withdraw When we’ll include it for interest calculation
Over the counter Three working days after we process it Two working days after you pay in the cheque (eg if you pay it in on a Monday it will clear on Wednesday)
Over the counter at the branch where you hold your account if drawn on that branch The working day after the day we process it The same day as you pay in the cheque
At a self-service machine (including by Business Pay In) Three working days after we process it Two working days after we process it*1
Business Pay In over the counter Three working days after we process it The same day*1
Foreign cheques

Negotiated (see ‘Useful terms’)



Collection (see ‘Useful terms’)






The next working day after we process it.


Once we, our agent and/or the correspondent bank are happy that the funds can be credited to your account. It can take six to eight weeks



Contact us for information on how we deal with interest when we negotiate a foreign cheque

As soon as it clears

*1 We’ll credit the amount on the paying-in slip to your account. If it’s different from the actual amount you pay in, we’ll usually correct your balance within two working days of receiving it - unless it’s a bank holiday in which case it will take us four working days.

Other types of payment

Payment type When it will be available to withdraw When we’ll include it for interest calculations
Standing order (from someone else)

Currency Account Transfer

Other electronic payments
When we receive it The same day as it’s credited to your account
Internal Transfer When we receive it When we receive it The same day as it’s credited to your account

Please note, if you’re paying in cash or a cheque to settle a credit card, store card or utility bill, or to another supplier who uses our head office collection account, you’ll need to follow the instructions you get from that company.

Get in touch

Call us on:

03457 60 60 60

Lines are open from 8am to 10pm every day. To help us improve our service and for security, we may monitor or record your call.

Textphone: 03457 12 55 63

From outside the UK, call:

+44 1226 26 08 78

Lines are open from 8am to 10pm every day. To help us improve our service and for security, we may monitor or record your call.

Textphone: +44 1792 49 43 94

For Business Internet Banking queries

For lost or stolen cards

Get in touch

Call us on:

03457 60 60 60

Lines are open from 8am to 10pm every day. To help us improve our service and for security, we may monitor or record your call.

Textphone: 03457 12 55 63

From outside the UK, call:

+44 1226 26 08 78

Lines are open from 8am to 10pm every day. To help us improve our service and for security, we may monitor or record your call.

Textphone: +44 1792 49 43 94

For Business Internet Banking queries

For lost or stolen cards

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