Standing orders

Can I amend a standing order?

Yes, you can amend a standing order up to 3 clear days before the date the payment is due. For example, a payment due on a Friday must be amended by 11 pm the previous Monday.

To amend the standing order:

Select Payments and Transfers
Select Standing orders
Select the standing order you wish to amend
Select Amend Standing order (If viewed on a mobile device ‘More options’ will need to be selected first)
The following fields can be amended
Amount
Payee reference
Frequency
Next payment date
Number of payments
Valid until
Select Next
Check the amended details and select Back if you wish to make further changes or Confirm if you are happy with the new details.
Select OK

The standing order will now need to be authorised.

Can I suspend a standing order?

It is not possible to suspend a standing order.

How can I view a cancelled standing order?

The search option can be used to view a standing order up to 30 days after it has been cancelled

Select Payments and Transfers
Select Standing Orders
Select Search (If viewed on a mobile device ‘More options’ will need to be selected first)
Choose the From and To dates that you want to search between
Select the Status of Cancelled
Select the Account
Select Search

Any cancelled standing orders that match the criteria will be displayed.

How do I cancel a standing order?

Select Payments and Transfers
Select Standing Orders
Select the Standing Order to be cancelled
Select Cancel Standing Order (If viewed on a mobile device ‘More options’ will need to be selected first)
Select Confirm

A standing order can be cancelled up to 3 working days before the next due date.

How do I create a new International standing order?

Select Payments and Transfers
Select Standing Orders.
Select New International Standing Order
To create the standing order to an existing payee
- Select Payee Group and Payee
To create the standing order to a new payee

Payee Account Number - this should be an IBAN if paying inside the EEA
Payee Name
Payee Address - required for payments to Canada and India
Bank Identification - required if IBAN not entered
Select BIC/SWIFT or National Bank Code
Enter BIC/SWIFT or if National Bank Code was selected, select the Country from the drop down box and then enter the National Bank Code

Select the Pay From account
Select the Currency
Enter the Amount. If the currency of the payment is different to the currency of the ‘pay from’ account, you can enter the amount in either currency. E.g. $200 or £200 worth of US dollars. The indicative exchange rate and currency equivalent will display.
Select the Charges - options will vary depending on the currency being sent and the country the payment is being sent to
- Shared Charges - you pay the Coutts charge and the payee pays their bank's charges
- All Charges to be Paid by the Payee - we will deduct the Coutts charge from the amount sent
- All Charges to be Paid by the Payment Originator - you will pay the Coutts charge and the payee's bank charge
Select the Payment Method
- Send as a SEPA Payment - the following conditions must be satisfied
  - the payee account number is an IBAN,
  - the payment is to a European country within the Single Euro Payments Area,
  - the payment currency is EUR
  - the charges are shared
- Send as Non-SEPA - the payment will be sent as a SWIFT payment
- If you select to send as a SEPA payment but the SEPA conditions are not satisfied, you will have the option to send as non-SEPA or amend the payment so it can be sent as SEPA
Enter Payment Reference - this is optional but will help the payee to identify the payment
Enter Your Reference - this is optional
Select the Frequency of the standing order
Select First Payment Date
Select the Validity of the standing order
- Until further notice
- After a Number of Payments - enter the number of payments
- Until a Final Payment Date - enter date
Select Next.
Carefully check the details and select Confirm or Next if this is the first time you are using these payee details as you will need to authorise the standing order

How do I create a standing order?

Select Payments and Transfers
Select Standing Orders.
Select New Standing Order
To create the standing order to an existing payee,
Select Payee Group and Payee
To create the standing order to a new payee
Select the Pay From account
Enter the Payee Name
Enter the Payee Sort Code
Enter the Payee Account Number
Enter the Amount
Select Faster Payments if the amount is under £1Mil or CHAPS Payment if it is over £1Mil
Enter the Payee Reference - this may help the payee identify the funds
Select the Frequency of the standing order
Select First Payment Date
Select the Validity of the standing order
Until further notice
After a Number of Payments - enter the number of payments
Until a Final Payment Date -enter date
Select Next.
Carefully check the details and select Confirm, or Next if this is the first time you are using these payee details as you will need to authorise the standing order

How do I download standing orders?

Select Payments and Transfers
Select Standing Orders
Select Download
Select Open to view the file or Save to save a copy of the file

How is a Direct Debit different from a standing order?

A standing order is your permission for us to make a payment of a fixed amount on a specified regular date to a named organisation or individual.

With a Direct Debit you give access to your account for variable amounts to be debited by the named organisation.

I?ve missed the deadline for amending a standing order. What can I do?

Please contact the Coutts Digital Helpdesk on +44 (0) 20 7770 0000.

I?ve missed the deadline for cancelling a standing order. What can I do?

Please contact the Coutts Digital Helpdesk on +44 (0) 20 7770 0000.

My standing order has a status of ?awaiting authorisation?- what does this mean?

The Standing Order needs to be authorised before the changes you have entered take effect. You will need to follow the steps below:

To authorise with card and reader

Insert you card into the reader or press ON and press Respond
Enter the card PIN
Press OK
Enter the Security Code shown on screen in to the reader. Please check that the last 4 digits of the account number you are making the payment to match the last 4 digits of the security code displayed on screen. In the unlikely event that these do not match, log off and contact the Coutts Digital Helpdesk immediately on +44 (0) 20 7770 0000
Press OK
Enter the Authorisation number from the reader in to the screen
Select Authorise

To authorise with CouttsID

Ensure you have your enrolled mobile phone
Select Authorise with CouttsID
Enter the password you use to log in to Coutts Online
A message will be received on the registered device
Press Authorise to authorise the changes or Reject to authorise later.

What details are required to create a new domestic standing order?

Payment details

You can create a standing order to a payee you have saved, select the Payee Group and then select the Payee under Existing Payee.
Or you can enter new payment details
- Payee Name - the name of the person or business you are paying.

Payee sort code - the sort code of the account holding branch of the bank where the funds are being paid to. This is a six digit number.

Payee account number - the eight digit number where the funds are being paid to.

Pay From - this field shows all the accounts that you are able to make payments from. Select the down arrow to see a list of your accounts then choose the account you wish to debit.

Amount - the amount you wish to pay.

Payment Method

Select Faster Payments if the amount is under £1Mil or CHAPS Payment if it is over £1Mil

Payee Reference

You can enter a reference which may appear on the payee's statement. This will help them establish where the payment has come from.
If you are paying a bill, you must ensure the reference field is completed according to the payee instructions. This is usually your account number but might be an invoice number or similar.
If you are paying a credit card bill then always put your 16-digit card number as the reference.

Frequency

This determines when the payment will be made. Select the required frequency from the list. A standing order can be set up weekly, 2-weekly, monthly, 2-monthly, quarterly, bi-annually, annually. The payment will be made on the selected frequency based on the first payment date.

First payment date

This is the date the first payment will leave your account.

Final payment date

This is the how long you want this instruction to be in place for. You can leave the instruction in place until you specifically cancel it with us. Alternatively, you can specify either a fixed number of payments or a date for the last payment to be made.

What details are required to create a new International standing order?

Payment details

You can create a standing order to a payee you have saved, select the Payee Group and then select the Payee under Existing Payee.

Or you can enter new payee details:

Payee Account Number - the account number of the person or business you are paying
Payee Name - the name of the person or business you are paying
Payee Address - the address of the person or business you are paying
Bank Identification

Select the bank identifier and complete the associated fields.
Enter the BIC/SWIFT of the payee's bank
National Bank Code, select the Country that the funds are being send to and enter the National Bank Code

Pay From - this field shows all the accounts that you are able to make payments from. Select the down arrow to see a list of your accounts then choose the account you wish to debit
Amount - the amount you wish to pay
Currency - select the drop down box and choose the currency you wish to pay
Charges

Shared Charges you pay our charge and the payee pays their banks change
All Charges to be paid by payee, the payee will pay both our charges and their banks charge
All charges to be paid by the payment originator, you will pay both our charges and the payee's bank charge

Payment Method
- Send as a SEPA Payment - the following conditions must be satisfied
  - the payee account number is an IBAN,
  - the payment is to a European country within the Single Euro Payments Area,
  - the payment currency is EUR
  - the charges are shared
- Send as Non-SEPA - the payment will be sent as a SWIFT payment
- If you select to send as a SEPA payment but the SEPA conditions are not satisfied, you will have the option to send as non-SEPA or amend the payment so it can be sent as SEPA

Payee Reference - a reference which may appear on the payee's statement. This will help them establish where the payment has come from. If you are paying a bill, you must ensure the reference field is completed according to the payee's instructions. This is usually your account number but might be an invoice number or similar.
Your Reference - your reference for this payment.

Frequency

This determines when the payment will be made.
Select the required frequency from the list - weekly, two weekly, monthly, 2 monthly, quarterly, bi-annually, annually.
The payment will be made on the selected frequency based on the first payment date.

First payment date

The date that the first payment will leave your account.

Valid Until

You need to advise how long you wish the standing order to be valid for - until further notice, after a certain number of payments have been made or until a date is reached.

What is an International standing order?

An International standing order can be created so that the funds are sent automatically to the payee at regular intervals for example, to pay rent in Euros for an overseas property.

What is a standing order and what details can I view?

A standing order is when you tell us to pay a fixed amount to someone straight from your account at regular intervals. The money is taken from your account automatically on a fixed date and will show up on your statement.

You can view a list of Standing Orders by:

Select Payments and Transfers
Select Standing Orders.
A list of your Standing Orders is displayed.
Select the Standing Order from the list to display the detailed information

When is the deadline for cancelling a standing order payment?

A standing order can be cancelled up to and including the day before the next due date.