Faster Payments
Support everyday GBP collections and payments through the UK’s near real-time payment network.
Business paymentsconnected across markets.
Collect and send GBP through Faster Payments and CHAPS.Use SWIFT for eligible cross-border payment flows.FX can be included when payment and payout currencies differ.
PanPay payment workspaceActive
100+eligible markets and regions
20+supported payout and FX currencies
£UK payment railsLocal GBP collections and paymentsFPS · CHAPS
↗Cross-border paymentsInternational collections and payoutsSWIFT
⇄Cross-currency paymentFX included in an eligible payment flowFX
CHAPS
Use CHAPS for eligible higher-value GBP payments where that settlement route is appropriate.
SWIFT
Support cross-border collections and payouts through established international banking infrastructure.
Global payout capability
Move funds through the routethat fits the payment.
Route eligible supplier, service-provider and marketplace payments by currency, destination and beneficiary type.
Payment-network coverage across key routes
Supported routes illustrate how UK local rails, SWIFT corridors and eligible FX-enabled flows connect business payment activity.
Business beneficiaries
Pay suppliers, logistics partners, marketplace partners and other approved corporate counterparties.
Personal beneficiaries
Support eligible payments to individuals where the payment purpose, E-Commerce use case and route are permitted.
Operational visibility
Structure payment data clearly for internal operations and reconciliation.
Payment controls
Transactions are subject to applicable screening, monitoring and approval requirements.
Payment journey
A clearer path from instructionto settlement.
Create the payment
Provide beneficiary, currency, amount and payment-purpose information.
Complete checks
Relevant validation, balance, compliance and fraud checks are applied.
Route and settle
The payment is routed through the supported local or international network for settlement.
Why local rails matter
Reduce avoidable complexity in UK GBP payments.
Access to FPS and CHAPS can reduce reliance on unnecessary intermediary routes for eligible local GBP payments and support more predictable settlement processes.
FPSeveryday UK GBP payment capability
CHAPSeligible high-value GBP transactions
SWIFTinternational collection and payments
20+supported payout currencies
Foreign exchange
FX built into eligible payment journeys.
When debit and payout currencies differ, conversion can be included before the payment is confirmed.
Select payment currencies
Choose supported debit and payout currencies for the transaction.
Review rate and fees
Review the available rate, fees and transaction details before submission.
Confirm one payment flow
Submit the conversion and beneficiary payment together where the route is eligible.
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Payments & FX
Build the payment setup that fits your operating model.
Review pricing or begin your business account application online.