How many Domestic payees can I store on the system?
You can store an unlimited number of Domestic payees, which cover Bill, BACS and CHAPS payments.
How far in advance can I create a Bill/BACS payment?
You can create a batch of BACS payments or an individual Bill Payment up to 45 days in advance.
How do I check if I have created a post -dated Bill/BACS payment?
Click on 'Pending Payments', select the appropriate account and any pending payments will be displayed.
How can I delete / edit a Domestic payee?
Domestic payees can be deleted or edited within the 'Manage payees' function. Simply select the relevant payee to see their details page and select 'Delete' or 'Edit' as appropriate.
It is not possible to amend the sort code and account number of an existing Bill Payment beneficiary. If these are incorrect you will need to delete those details (following the instructions above) and set up a new Bill Payment beneficiary by selecting the 'Pay new Beneficiary' option within the Bill Payments function. You will be asked to authorise the creation of any new payment beneficiary by generating an authorisation code on your Security Device. Full onscreen instructions will be available.
You can however, amend the reference of an existing Bill Payment beneficiary.
Can I cancel a payment I have already input?
Yes you can, in the following circumstances:
- you have created a Bill Payment that has not yet debited your account.
- you have created a BACS batch that has not entered the payment cycle. The payment enters the payment cycle on Day 1 and debits your account and credits the beneficiary on Day 3. For example, if you create a payment on Monday to credit the beneficiary on Friday, the payment enters the cycle on Wednesday. Therefore you will need to cancel the batch on or before the Tuesday.
Why can't I make a same -day BACS payment?
BACS payments are subject to the standard BACS cycle and as such the earliest you can set up a payment to be debited / credited is two working days after input (three working days if the BACS payment is created on a non-working day).
Why can't I make a CHAPS/Priority Payment out of working hours?
CHAPS/Priority Payment systems are open from 8am to 5.10pm, Monday to Friday, excluding public holidays.
I made a payment that has not debited my account, what do I need to do?
If you are a Secondary User and the payment exceeded your single payment limit, it may be that the Primary User or Secondary User with the 'Authorise' permission and a high enough single payment limit to authorise the payment did not authorise the payment.
If you are the Primary User, or a Secondary User and you are sure that the payment was within your limit, call the Business Internet Banking helpdesk and we will look into this for you.
How do I check the payees in a batch of BACS payments that has not debited my account yet?
Simply click on 'Pending Payments' from the left hand menu. Any payments not yet debited will be displayed and you will be able to view the payees in each batch. Please note that if you are a Secondary User and the batch is over your personal limit then only an individual with a high enough limit to view the batch can do so.
How do I check the payees in a batch of BACS payments that have already debited my account?
A complete record of all payments that have debited your account in the last 12 months can be viewed in your 'Activity history' in the 'Manage users' section. Use the 'Type of Activity' drop-down to specify 'Payments - BACS'.
For payments older than this please call the Business Internet Banking helpdesk and we will look into this for you.
Can I add a new beneficiary when I am in the middle of creating a BACS payment batch?
Yes, you can add new payees within any of the Domestic payment journeys. When creating a BACS payment batch, simply click 'Add a new payee' while selecting your other payees. You can add multiple new payees until your batch total is 25 payees.
Once authorised, you can return to the BACS payment journey and your newly added payees will be selected as part of your batch.
Once authorised, the new beneficiary will appear at the bottom of the BACS Beneficiary List and will be available for selection within the BACS payment batch.
What are the cut -off times for payments?
You can input BACS payments up to 6.45pm and Bill Payments up to 7.45pm (for payments to other banked customers). There's no cut-off time for Bill Payments made to other HSBC accounts.
Where can I find the relevant IBAN details to make an International Payment?
You can usually see the IBAN details on a bank statement. We strongly recommend that you confirm all of the payment details with the beneficiary before attempting to make a payment.
Why do I need to authorise the set-up of new payment beneficiaries?
We take the issue of security very seriously. If you create a new payee, or amend the account details of an existing payee, you will be asked to authorise this by generating an authorisation code on your security device. Full on-screen instructions will be available.
What happens if I send a payment to the wrong person or organisation?
When you are creating a new payee, there are a number of checks in place to help ensure you are paying the correct person or organisation.
We will check the sort code and account number for validity and we will also confirm, if possible, that the account details you provided match the name on the account. However, please always double check the details you have entered, as well as confirming the request for the payment is genuine.
If you make an immediate payment to the wrong person or organisation, please contact us as soon as possible and we will try to assist you to recover the money by contacting the receiving bank.
Future dated payments can be cancelled before they are made from the 'Pending payments' list.
What happens if I input the wrong sort code or account number?
We will check the sort code before sending the payment and will tell you if it is a valid sort code. We are unable to check the account number or that the sort code and account number relate to the person or organisation you are sending the money to.
The receiving bank may apply the payment using the sort code and account number alone, so please check that the details are correct as we are not able to guarantee that payments can be recovered.
How do I change my daily payment limit for BACS, Bill, CHAPS or Priority daily payment limits?
Download a Limit Amendment form, complete and return it to your Relationship Manager or branch.
How can I check my payment limits?
As a Primary User you can check your limits and those of any Secondary Users at any time. Simply click on 'User Administration' then click on the name of the person whose limits you wish to see (as the Primary User your limits are the same as the company limits for Business Internet Banking).
What is the maximum amount of a standing order I can create/amend?
The maximum amount that can be created or amended is the same as your Bill/BACS single payment limit (whichever is higher).
When will the money from a standing order credit the beneficiary's account?
Standing orders where the beneficiary's account details begin 40 (i.e. HSBC accounts), will normally be received on the same day as the standing order is sent, (subject to sufficient funds, including any agreed overdraft, covering the standing order payment being in your account on that day).
Standing orders being sent within the standing order Faster Payment limit, and paid to banks participating in the Faster Payment scheme, will be received the same day by the beneficiary bank. To check the payments limit and if the beneficiary bank participates in the scheme please check the UK Payments website: www.ukpayments.org.uk
All other standing orders will take up to 3 working days from the day the standing order is sent to reach the beneficiary bank (subject to cut-off times, amount and sufficient funds including any agreed overdraft covering the standing order payment being in your account on that day).