Making payments
Whether you are paying a bill, a friend, or a tradesperson, you can set payments up quickly and easily using online banking or the mobile banking app.
The following payments can be made using our digital services:
- Transfers between Arbuthnot Latham accounts (sterling only for mobile banking)
- Faster Payments – online and mobile banking
- CHAPS payments – online banking only
- International payments SWIFT and SEPA – online banking only
Online banking
- Once logged in, select the ‘Manage Money’ tab
- Choose ‘Sending Money Within the UK’ for UK based sterling payments or ‘Sending Money Outside the UK’ for international and non-sterling payments
- Choose the date you would like your payment to leave your account
- Complete all relevant and mandatory fields
- Follow the onscreen instructions to complete the transfer.
Mobile banking app
You can make Faster Payments and arrange transfers between your sterling Arbuthnot Latham accounts on the mobile banking app:
- Once logged in, select ‘Payments’ at the bottom of the screen, then ‘Make a Payment’
- Choose account to debit
- Choose an existing payee or select the icon to add a new payee and enter required information
- Enter amount and reference
- Complete all relevant and mandatory fields
- Follow the onscreen instructions to complete the transfer.
Please note:
- UK based sterling payments require a full 6-digit sort code and 8-digit account number
- SWIFT international payments require an account number and SWIFT BIC or International Bank Account Number (IBAN)
- SEPA payments require the recipient’s full name, an IBAN and SWIFT BIC
- All Canadian payments require the full recipient address, this should be forwarded via secure message at the time of making the payment
- All Irish payments require a full IBAN
- IBANs must be entered without spaces
- All payment information must be entered without any special characters (for example acute or grave accents used in other languages should be omitted).
Payment times
Our Payment Times Document has information on:
- Payment types and limits
- Acceptance of payment instructions
- Payment cut-off times
- When recipients will receive funds
- Cancelling future dated payments.
Payment charges
Please see the following documents for payment charges:
Personal Fee Information Document
Commercial Account Charges Schedule / Non-Personal Client Fee Information Document
You can transfer money between any Arbuthnot Latham account which is linked to your online banking profile. Transfers between different currency accounts can also be made.
Online banking
- Once logged in, click the ‘Manage Money’ tab, then ‘Internal Transfers’
- Enter payment details
- Follow the onscreen instructions to complete the transfer.
When making a transfer up to the equivalent value of £20,000, in a core currency, you will see a confirmed rate of exchange at the point of authorisation.
Please note:
- The rate of exchange is valid for 30 seconds at the point of final authorisation. It will need to be refreshed if it has timed out. Outside of these parameters the exchange rate can be obtained by contacting us. Alternatively, the prevailing spot rate will be applied.
- Online exchange rates are only available between 6:00am and 9:00pm Monday – Friday. You will not be able to make currency transfers on weekends or Bank Holidays.
Mobile banking app
- Once logged in, select ‘Payments’ at the bottom of the screen, then ‘Internal Transfer’
- Select the account you wish to transfer from, then the account you wish to transfer to
- Enter payment details
- Follow the onscreen instructions to complete the transfer.
On the mobile banking app, internal transfers can only be made between accounts for the same legal entity.
As more of us are shopping online, it is important to help protect you and/or your business from fraud.
Strong Customer Authentication (SCA)
SCA for online card payments is an extra security check that is applied each time you access your online banking services, initiate an online payment or carry out other actions, such as creating or amending a trusted beneficiary in online banking. SCA helps protect you against online fraud.
To read more about SCA and how to authenticate online card payments, please click here.
You can create new payees for UK sterling payments and international payments for immediate use or future use in online banking.
Set up a new payee to use immediately – online banking
- Once logged in click the ‘Manage Money’ tab
- Choose ‘Sending Money Within the UK’ for UK based sterling payments or ‘Sending Money Outside the UK’ for international and non-sterling payments
- Select the account you wish to make the payment from
- Select ‘New Payee’ or ‘New Beneficiary’
- Enter payee details. To save the payee details for future use, tick the box ‘Add to payee list’
- Follow the onscreen instructions.
Add a new payee for future use – online banking
- Click on the ‘Manage Money’ tab
- Choose ‘Payees’ for UK based sterling payments or ‘International Payees’ for international and non-sterling payments
- Select ‘New Payee’ or ‘New Beneficiary’
- Enter payee details
- Follow the onscreen instructions.
Set up a new payee to use immediately – mobile app
- Once logged in, select ‘Payments’ at the bottom of the screen, then ‘Make a Payment’
- Select the debiting account
- Select the add new payee icon (top right of the screen)
- Choose whether payee is personal or business
- Enter payee details - name, sort code, account number and reference for payment
- Follow instructions on the next pages to complete payment.
Please note – All new payees will require authentication the first time a payment is made to them by entering your online banking password and a One-Time Passcode (OTP). This is generated by SMS text message or by telephone to your chosen device when requested.
When using the mobile app you will not receive an SMS to verify a payment. Instead, you will be asked for verification within the app by entering your mobile app PIN, biometric face ID or fingerprint ID, dependent on your device.
If you do not receive your OTP you can request a new code by clicking on the ‘Request SMS code’ box onscreen.
Confirmation of Payee is a process that checks when adding a new payee or amending an existing payee whether the details entered match the details on the personal or business account. It helps reduce fraud and misdirected payments when electronic bank transfers are made using Faster Payments and CHAPS payments.
For more information please see our FAQs.
Batch payments allow you to make multiple payments all at once. There are two methods of using the batch payment option. We recommend that you have no more than 100 payees in a single batch to allow your payments to be processed more efficiently.
Please note – the system will end your session if you are inactive for five minutes, so please use the save option as you go to avoid losing any input.
Manual input – build and use a template in online banking
- Once logged in, select the ‘Batch Payments’ tab, then ‘Batch Payment Templates’
- Select ‘New Template’
- Complete the relevant boxes and click on ‘Add New Payee’ for each payee in the batch
- Once all payees have been added select ‘Save and Close’
- To make the payment, select ‘Use’ from the ‘Action’ list next to the template description
- Add the relevant amounts and tick the box for each payee
- Once the information is complete click on ‘Process Batch’ and follow the onscreen instructions.
To view all payees, ensure you have amended the list size at the bottom of the screen.
Import option – Import a CSV template that contains the information, saved in text
-
You will need to have a CSV file already prepared to upload
It is important to have the data within your CSV file laid out in columns in the following order, however no column headings are required:
Sort code | Account number | Name | Amount | Reference
Please note – templates generated from the Sage accounting software can be uploaded in the same way by selecting the ‘Sage’ file type when importing a file. Please contact us for more information about this format.
- Once the file is ready, select the ‘Batch Payments’ tab and then ‘View Batch Payment’
- Click on ‘Import t Batch from File’
- Choose either CSV or Sage depending on your file type and ‘Browse’ to add your file
- Click ‘Upload’
- Complete the additional boxes onscreen and once you are happy with the information click ‘Process Batch’
- Follow the onscreen instructions to complete the process.
To view all payees ensure you have amended the list size at the bottom of the screen.
Payment group payments
This function can be used to make multiple payments from multiple accounts. For more information, please contact us.
Cancel batch payments
Future dated batch payments
You can only cancel future-dated payments using our online banking portal. You can cancel a payment up to 11:00pm on the working day before the payment is due. This must be an authoriser action.
If the payment has not been authorised, you will need to follow the steps below for ‘How do I authorise a payment?’ and choose ‘Decline’.
The ability to cancel a payment depends on the payment method used. If you are not sure whether you can cancel a payment, please contact us and we can advise you.
- Once logged in, select the ‘Manage Money’ tab, then ‘Standing Orders & Pending Payments’
- All pending payments on your account will be listed
- Find the payment to cancel, click on the ‘Action’ column beside it and choose ‘Delete’
- Follow the on-screen instructions.
If the payment has not been authorised, you will need to follow the steps below for ‘How do I authorise a payment?’ and choose ‘Decline’.
The ability to cancel a payment depends on the payment method used. If you are not sure whether you can cancel a payment, please contact us and we can advise you.
Direct Debits
A Direct Debit is a payment you set up for money to be taken from your account on a regular basis for example a utility bill, subscription, or membership. The payment amount is set by the business you are paying and may change.
This is different to a standing order, which is a fixed amount payment set by you.
Set up a Direct Debit
You do not need to tell us when you set up a Direct Debit. The organisation you are paying will normally ask you to complete a Direct Debit instruction form with your account information. You choose the date you would like the payment to leave your account.
Cancel a Direct Debit
You can cancel a Direct Debit in your online banking account.
- Once logged in, select the ‘Manage Money’ tab, and then select ‘Direct Debits’
- All Direct Debits associated to your account will be listed here
- Find the Direct Debit to be cancelled, click on the ‘Action’ column beside it and select ‘Delete’
- Follow the onscreen instructions.
Please note – you must also cancel your Direct Debit with the organisation you are paying.
Standing orders
Standing orders are fixed amount payments which you set up to leave your account on a regular basis. Payments may be set-up to be paid weekly, fortnightly, monthly, quarterly, half-yearly, or annually. Please note - standing orders can only be paid in sterling to UK bank accounts.
Set up a standing order
You can set up a standing order in your online banking account.
- Once logged in, select the ‘Manage Money’ tab then ‘Sending Money within the UK’
- Enter the payment details and the amount
- Select ‘Make a recurring transfer’ and enter the frequency of the payment, along with the date you wish the payments to start. (This must be at least one business day in advance).
Cancel or change a standing order
You can cancel or change a standing order in your online banking account.
- Once logged in, select the ‘Manage Money’ tab, and then ‘Standing Orders & Pending Payments’
- You can identify the standing orders on your account as they will have a frequency detailed
- Find the standing order, click on the ‘Action’ column beside it
- This will give the option to ‘View, Edit or Delete’ a standing order
- Follow the onscreen instructions.
Alternatively, if you wish to cancel or change a standing order, please contact us.
If you do not recognise a transaction on your account, please check the following:
- If the payment is to a business, the name on your statement may be different to the trading name or retail name they use
- Has anyone else with access to your account made the payment?
- Is the payment for a subscription you may have forgotten about?
- You can use a search engine to check the name of the business
- If you still do not recognise the retailer, please contact us.