Important changes to our terms and conditions effective from 27th October 2016



You should read the information below carefully

In order to enhance our payment capability we are making some changes to our processing times.

The changes are detailed below:


1) Payment cut off times


New process:

We are extending our cut off time for payments (direct credits) made through Online Services and iBB to 12am (midnight) 365 days a year.

This means that payments processed up to 12am will usually be received within two hours. Payments made after 12am will be processed after the start of business on the next day.


Current process:

The current cut off time is 6pm on banking days only. 


2) Forward dated bill payments


New process:

Forward dated bill payments made through Online Services will leave your account at 4:30pm on the day you have selected the payment to be made.


Current process:

These payments currently leave your account at 6pm.


3) Online Services daily limit


New process:

There is a maximum amount of funds that can be transferred through Online Services in any banking day. We will reset this daily limit at 3am to remove the confusion on the amount that can be transferred per banking day.

Online, Mobile and Phoneline Banking transactions on Saturdays, Sundays and bank holidays are carried forward to the next banking day.


Current process:

The current daily limit is reset at 6pm.


The documentation noted below will be updated to reflect these changes where applicable.


  • Personal banking terms and conditions
  • Business accounts terms and conditions
  • Personal current accounts accounts guide
  • Personal lending products terms and conditions
  • Regular saver account terms and conditions


To download this page please click here.


Should you wish to discuss these changes or require a copy of the updated documentation please call us on 0345 600 5925.


† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.