General

Can I make a BACS payment?

At the moment, you can't make a BACS payment online. But you can make a Faster Payment for any amount under £250,000. You can send this either as a same day payment or as a future dated payment.

Can I make a payment after the cut-off time?

Yes, a payment can be entered at any time throughout the day and the value dates available will adjust accordingly.

How do I find future-dated payments?

Within the app, Select 'Payments', 'Scheduled Payments', and then 'Future Dated' where you can find a complete list.

How do I find historical payments?

Select 'Payments and Transfers', then 'Payment Overview'. Enter the 'From' and 'To' dates to search within a specific time period. You'll then see all payments processed between the chosen dates. To download the results select 'Download'.

How do I make a payment to a new payee?

You can make a payment to a new payee, without needing to authenticate on desktop, up to £25,000. Just tap 'Payments', 'Add new payee' and enter all their details. To keep the account safe and secure, you'll need to authenticate via your biometrics (FaceID or TouchID). New payees also go through confirmation of payee, to ensure you are paying the right person.

What are the payment cut-off times?

Our payment cut-off times are:
- 23:45 (GMT/BST) for Immediate Faster Payments
- 23:59 (GMT/BST) for Future Dated Faster Payments
- 17:30 (GMT/BST) for CHAPS
- 14:30 (GMT/BST) for International Payments
- 14:00 (GMT/BST) for SEPA

What information do I need to make a payment to the United Arab Emirates (UAE)?

From 1 January 2019, payments to the United Arab Emirates (UAE) are required by the UAE regulator to include the following information.
- A code confirming where the person you're paying lives. If they are a UAE resident, include the country code ‘AE’. Alternatively, please indicate the correct two digit country code from the list of country codes.
- A purpose of payment code – this should describe the reason for the payment. You can find the full list of codes to choose from here (pages 15 to 21)
- When making a mobile or online payment, add these codes to line one of the ‘payment reference’ field.
For example, if a salary payment is being made to a UAE resident, the information provided would be:
BENEFRES/AE//SAL
If you don't add these, payments may be returned to you. If you have any questions, please message us within your app or contact Coutts 24 on +44 (0) 20 7957 2424.