How do I send money to another account?

There are several ways to send money:

Transfer money between your Nationwide accounts
Send money abroad, by making an international payment
Set up a regular payment with a standing order
Send payments over £10,000, with a CHAPS payment.

Send up to £10,000

You can send up to £10,000 from your current account using the free faster payment service. As long as you have enough money in your account, there’s no limit on the number you can send in one day.


  • You can set the payment to leave your account straightaway, or on a future date.
  • Once it leaves your account, the funds should arrive almost immediately (but can take up to 2 hours).
  • If you want a future dated payment to leave your account tomorrow, it must be set it up by 10pm today. After 10pm, the payment will take an extra day.

If you’re paying someone new

  • Take a second to protect yourself from fraud. Remember, if you willingly send money to someone we can’t always get it back for you.
  • You’ll need a card reader and the payee’s account number and sort code.
  • You’ll have to create a payment reference.


The payment reference will be used each time you pay that payee. You can change an existing payment reference in the Internet Bank, or by speaking to us. If you don’t make a payment to a saved recipient for more than 13 months, their details will be removed from your list of payment references. You’ll need to add their details in again to pay them again.

Make a payment in the Banking app

  1. Log in to the Banking app.
  2. Tap on the menu in the top right corner of the screen.
  3. Select ‘Payments and transfers’.
  4. Tap ‘Pay or move money’.
  5. Choose the account you’d like to pay with.
  6. Either choose ‘A new person or company’ to pay someone new or select ‘Someone you’ve paid before’ and then tap ‘Continue’.
  7. Follow the on-screen instructions.

Make a payment in the Internet Bank

  1. Log into the Internet Bank.
  2. Click on the ‘Move money’ tab at the top of the page.
  3. Find the ’Pay a bill or send money to someone’ panel.
  4. Choose the account you wish to use, then select ‘Single payment’.
  5. Choose ‘A new person or organisation’ to pay someone new or select ‘Someone you’ve paid before’.
  6. Click ‘Continue’ and follow the on-screen instructions.
Log in to the Internet Bank

Not registered for online banking?

The easiest way to send money is with online banking. Register today and start making payments on the Internet Bank or Banking app.

How to register for online banking

Or you can pop into branch and a member of our team will be happy to help you make the payment. You'll need to bring:

  • the payment details of the person or organisation you’re paying
  • your account passbook or debit card
  • a valid UK passport or driving licence
  • proof of address.
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