CHAPS payments

Need to make a high-value or urgent payment? Consider a CHAPS transfer with us.

What is a CHAPS Payment?

CHAPS, or Clearing House Automated Payment System, is a secure and reliable way to send high-value or urgent payments in pounds sterling. Unlike Faster Payments which have a daily limit, CHAPS allows you to transfer any amount the same day, as long as your request is submitted before our 2:30 PM cut-off time.

There is a £28 fee associated with CHAPS transfers, reflecting the guaranteed speed and security of this service. For more information about charges see our Standard Service Tariff.

How to make a CHAPS payment

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Step 1: Download and complete the CHAPS Form

To initiate a CHAPS transfer, download the dedicated CHAPS Payment form. Fill out all sections carefully ensuring your beneficiary’s details are accurate to avoid delays. Sign the form in accordance with your bank mandate.
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Step 2: Submit your completed form

Scan the signed CHAPS Payment form and send it to us securely through one of the following methods:

Email: us@unity.co.uk
Ensure the email originates from your Key Contact or a verified email address and has “CHAPS REQUEST” in the subject line.

Post: Unity Trust Bank, PO Box 7193, Planetary Road, Willenhall, WV1 9DG

Please note, we will call you to validate the details of your payment request. The processing of your payment may be subject to delay if we we’re unable to get in touch.