Same day money transfers

CHAPS is a method of making same day electronic transfers, for any amount, to clearing banks in the United Kingdom. CHAPS stands for Clearing House Automated Payment System.

  • You can make a CHAPS payment between the hours of 8:30am - 3:00pm, Monday - Friday.
  • There is a standard charge of £25.00 for each payment.
  • CHAPS under £10,000 can be taken over the telephone for personal accounts.
  • CHAPS over £10,000 will require you to put the request in writing.

Written instructions may be faxed to 0161 848 8416, taken to your local branch or sent in to your Customer Service Centre:

The Co-operative Bank
Customer Service
PO Box 200
Delf House
Southway
Skelmersdale
WN8 6GH

We require you to provide us with the following information before a CHAPS payment can be made:-

  • Sort Code and address of the beneficiary bank
  • Beneficiary account number and account name
  • Any reference number/name to be included with the payment
  • The amount to be sent
  • The date the transfer is to take place
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