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.