Help Centre

Banking Compatibility

Bank Compatibility

Discover your bank's supported features and troubleshooting tips for your bank.

A - H

AIB UK Business	Capital on Tap	Handelsbanken
Bank of Ireland	Cash Plus	HSBC Business
Bank of Scotland	Co-Op	HSBC Net
Barclays Business	Coutts	HSBC Innovation
Barclays Corporate	Danske

I - O

Lloyds Business	Metro	NatWest Business
Lloyds Commercial	Monzo	NatWest Bankline
Mettle	Nationwide

P - Z

RBS Business	Starling	Ulster Bankline
RBS Bankline	Tide	Virgin Money
Revolut	TSB	Wise
Santander Business	Ulster Business	Yorkshire Bank

AIB UK Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - £0.01
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - up to 90 days
Bulk future dated payments - up to 90 days

Additional Information & Troubleshooting

If you are not sure on your daily transaction limit, please make sure you reach out to your account manager or look online.
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
You will need to switch on 3rd Party Permissions - please refer to this guide to enable this.
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
3rd party Permission (TPP/TPA) has not been enabled
AIB NI is not currently supported

Bank of Ireland

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that they are subject to their daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Bank of Scotland

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that your are subject to their daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Barclays Business

Payment types supported

Single payment: ✅

Bulk payment: ✅
Faster payments: ✅
Minimum of 5 payments per bulk

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 5
Maximum payment count - 50
Minimum payment total - £0.05
Maximum payment total - £100,000
Single future dated payments - up to 90 days
Bulk future dated payments - up to 90 days

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
If any of the the minimums were not met, the system should not have created a bulk payment
- If you selected less than 5 bills, our system would not have created a bulk payment due to Barclays requirement

Minimum of 5 bills per bulk payment
Minimum bulk payment amount £1
Please note - Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online. If the customer registers with the bank's app, the customer can get the code on your smartphone using Mobile PINsentry. See additional info here.

Cancel a scheduled payment

Please note that you will need to cancel scheduled payments directly in your Barclays account.

Log in to Online Banking (if you’re registered) and go to ‘Pay and transfer’ in the top menu.
Select Transfers, standing orders and Direct Debits under the Manage and track tab
(optional) If you have multiple Barclays account, you will want to select the account in which you wish to cancel the payment for
Once bank account has been a selected, a list of scheduled payments will pop up.
Select the future schedule payment in which you would like to cancel/delete
Click on Delete single payment
You will be asked to confirm and once you have clicked on the confirm button, the scheduled payment will have been deleted

Barclays Corporate

Payment types supported

Single payment: ✅

Bulk payment: ✅
Faster payments: ✅
Minimum of 5 payments per bulk

Bank bulk payment parameters

Currency - GBP
Minimum payment count - 5
Maximum payment count - 50
Minimum payment total - £0.05
Maximum payment total - £100,000
Single future dated payments - up to 90 days
Bulk future dated payments - up to 90 days

Setting up your account to make payments

Before processing payments using Barclays Corporate, you will need to enable Third Party Permissions within your online banking, and turn off multi-step authentication.

You will need to complete these steps before using your Barclays Corporate account to make payments using Crezco and/or Xero Bill Pay.

Enabling Third Party Payment Permissions

Please follow these steps to enable third-party payment permissions on your Barclays Corporate account:

Navigate to Administration at the top of your screen
Navigate to Role Profiles
Expand the ‘Third Party Permissions’ section
On the permission ‘Default - Third Party Permissions - Payment Permissions , View, Input and Authorise’, click the three dots
Click ‘Assign Users’
Assign these permissions to the applicable users
Click ‘Next’
Click ‘Confirm’

Removing multi-step authentication

Please follow these steps to remove multi-step authentication on your Barclays Corporate account:

Log in to your online banking, and head to "Workflows"
Head to "Payment Permissions" and deselect the "Authorisation needed" checkbox.

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
If any of the the minimums were not met, the system should not have created a bulk payment
- If you selected less than 5 bills, our system would not have created a bulk payment due to Barclays requirement

Minimum of 5 bills per bulk payment
Minimum bulk payment amount £1

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Capital on Tap

Payment types supported

Single payment: ❌
Bulk payment: ❌
Faster payments: ❌
Chaining: ❌

Capital on Tap unfortunately will not be able to support open banking payments at this point in time.

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a

Cash Plus

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that they are subject to their daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Co-Op

Payment types supported

Single payment: ❌
Bulk payment: ❌
Faster payments: ❌
Chaining: ❌

Co-Op’s open banking infrastructure is relatively new and is still currently being built out. Unfortunately, customer cannot make payments using their Co-Op account

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a

Coutts & Company

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - £1,000,000
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that they are subject to their daily transaction limit

Setting up your account to make payments

Before you can process bulk payments using your Coutts account, it’s important to ensure that the appropriate user role is created and assigned to the individuals who will be managing payruns. This step is essential for enabling payment permissions within Coutts.

To guide you through creating the required user role and assigning it to the relevant users, please refer to the following Coutts Help Centre article: Click here

Once completed, your team will be able to proceed with bulk payments through Crezco seamlessly.

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Danske Bank

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that you are subject to your daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Handelsbanken Bank

Single payment: ❌
Bulk payment: ❌
Faster payments: ❌
Chaining: ❌

Handelsbanken’s open banking infrastructure is relatively new and is still currently being built out. Unfortunately, customer cannot make payments using their Handelsbanken account

HSBC Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - 25
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - up to 365 days
Bulk future dated payments - up to 365 days
Daily payment limit of £25,000 via online banking and £10,000 via mobile app. This can be increased to a maximum of £100,000 via online with account manager approval

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online. See additional info here.
Dual Authority - if the HSBC account requires multiple people to authorise the payment then the payment may show a status of ‘Payment Initiated’ until the payment is authorised by the signatories via the banking app. It is recommended all signatories enable notifications to ensure they don’t miss it, otherwise the payment will not be successfully sent to your payees.

Future dated payments

When you schedule a future-dated payment with HSBC, here’s what you can expect:

Authorisation
Future-dated payments must be authorised at the time of setup.
On the day of execution
- If sufficient funds are available in the account, the payment will be processed as scheduled.
- If there are insufficient funds, the payment will be declined and will not be retried.
Using an overdraft facility
Overdraft limits are taken into account in the same way as when making payments through HSBC’s standard online channels. If there is no account balance but there is an active overdraft facility with available funds, the payment will still be processed successfully.

✅ Tip: To ensure payments go through smoothly, check that funds (or overdraft coverage) are available in your account on the scheduled execution date.

Cancel a future dated payment

Please log into your HSBC account -

1. Navigate to the Manage payments tab
2. Select Pending payments ( you can choose to view or cancel a payment)
3. Click on the payment you want to cancel
4. Select 'Delete' and your scheduled payment should be cancelled

If you are having issues canceling the payment/pay run, please reach out to the bank as they would be the best team to help you with this.

HSBC Net / Innovation / Kinetic

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - up to 365 days

HSBC Net is currently able to support multi-authentication for single payments only

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Future dated payments

When you schedule a future-dated payment with HSBC, here’s what you can expect:

Authorisation
Future-dated payments must be authorised at the time of setup.
On the day of execution
- If sufficient funds are available in the account, the payment will be processed as scheduled.
- If there are insufficient funds, the payment will be declined and will not be retried.
Using an overdraft facility
Overdraft limits are taken into account in the same way as when making payments through HSBC’s standard online channels. If there is no account balance but there is an active overdraft facility with available funds, the payment will still be processed successfully.

✅ Tip: To ensure payments go through smoothly, check that funds (or overdraft coverage) are available in your account on the scheduled execution date.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Lloyds Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - n/a
Bulk future dated payments - up to 30 days
Daily limit is typically £250,000
Lloyds does not allow multiple payments for the same contact to be processed in the same pay run.
- Before confirming the pay run, the you will need select the Group by payee toggle when creating the pay run on the Make payment page otherwise the pay run will fail.

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online. See additional info here.

Future dated payments

Authorisation
The payment request will be accepted at the time of setup. However, this doesn’t guarantee it will go through — the actual success depends on the account balance on the execution date.
On the day of execution
- If sufficient funds are available, the payment will be processed as scheduled.
- If there are insufficient funds, the payment will fail during execution and will be retried automatically.
Using an overdraft facility
Authorised overdraft limits are taken into account. If there is no account balance but there is an active overdraft facility with available funds, the payment will still be processed successfully.

✅ Tip: Always ensure there are sufficient funds (or an overdraft facility in place) by the execution date to avoid delays or failed payments.

Cancel a future dated payment

Please use the following steps to cancel any future dated payment -

Log on to Online for Business.
On the ‘Account Overview’ page, select ‘More Actions’
Then click on the‘Manage future dated payments’. From there you should be able to select the payment/s you want to cancel.

If you are having issues cancelling a future dated payment, please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Lloyds Commercial

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅

Bank bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - n/a
Daily limit is typically £250,000
If you are not sure on the daily transaction limit, please make sure you reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at Lloyds

Setting up your account to make payments

Before you can process payments using your Lloyds Commercial account, it’s important to ensure that the appropriate user role is created and assigned to the individuals who will be managing payments. This step is essential for enabling payment permissions within Lloyds.

To guide you through creating the required user role and assigning it to the relevant users, please refer to the following Lloyds Help Centre article: Click here

Once completed, your team will be able to proceed with payments through Crezco seamlessly.

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online. See additional info here.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Mettle

Payment types supported

Single payment: ❌

Bulk payment: ❌
Faster payments: ❌
Chaining: ❌

Mettle’s open banking infrastructure is relatively new and is still currently being built out. Unfortunately, customer cannot make payments using their Mettle account

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that they are subject to their daily transaction limit

Metro

Payment types supported

Single payment: ❌
Bulk payment: ❌
Faster payments: ❌
Chaining: ❌

Metros’s open banking infrastructure is relatively new and is still currently being built out. Unfortunately, customer cannot make payments using their Metro account

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that they are subject to their daily transaction limit

Monzo

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - £10,000
Single future dated payments - n/a
Bulk future dated payments - n/a

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Nationwide Business

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - £100,000
Single future dated payments - n/a
Bulk future dated payments - n/a

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

NatWest Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - 50
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - up to 120 days
Bulk future dated payments - up to 120 days
Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit amount, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at NatWest
All payees for bulk payments are required to be listed as trusted beneficiaries before you process the bulk pay run. To add a new payee/trusted beneficiary, please refer below (setting up your account to make payments).

Setting up your account to make payments

Please note: NatWest requires all payees to be listed as a trusted beneficiary in your NatWest account for bulk payments. If you do not know how to add a trusted beneficiary please reach out to NatWest's support team for a step by step process. In order for your NatWest Business account to see a contact as a trusted beneficiary, you will need to add the contact and then a £0.01 payment to the new contact.

For additional details on how to add a payee in your NatWest account, please refer to the following NatWest help centre article - click here

Additional information & Troubleshooting

Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
All the contacts in the pay run have not been added as trusted beneficiaries in your NatWest account
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online. See additional info here.

Future dated payments

Scheduling the payment
NatWest accepts future-dated payments at the time you set them up and holds them until the scheduled execution date.
On the day of execution
- NatWest checks your account to ensure sufficient funds are available.
- If enough funds are in the account at any point during the day, the payment will go through.
- If there aren’t enough funds, the payment will be rejected due to insufficient funds.
Using an overdraft facility
If your account has an active overdraft facility with available funds, NatWest treats this as sufficient balance. This means that even if your account shows £0, the payment will still be processed successfully, provided the overdraft covers the amount.

✅ Tip: To avoid delays or rejections, always make sure your account has either a balance or an active overdraft facility in place on the scheduled payment date.

Cancel a future dated payment

Please note: Scheduled payments must be cancelled directly in your NatWest account.

Future-dated bulk payments
If you have set a bulk payment to go out on a future date, you can amend or cancel any of the individual payments included in that bulk payment. This can be done within the ‘Manage scheduled payments’ section of your NatWest online banking.
If you cannot cancel online
In cases where the option to cancel isn’t available, you will need to contact NatWest directly to request the cancellation.
Same-day bulk payments
If you have chosen to send a bulk payment to be processed today, it cannot be cancelled once submitted.

✅ Tip: Always double-check your scheduled payments in NatWest online banking to ensure they reflect what you intend to pay.

If you cancel the payment/pay run, please reach out to us via live chat or email help@crezco.com to notify us. The bank does not update us when a payment has been cancelled and we will need to manually update the status of the payment on our end.

NatWest Bankline

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - 3000
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - up to 120 days
Bulk future dated payments - up to 120 days
Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

Please ensure you switch on create a user role that can approve open banking bulk payments - please refer below to find the step by step process

Setting up your account to make payments

Please note: There are two main steps in ensuring that your NatWest users have correct Third-Party Payments Permissions (TPP).

1. Make sure there is an existing role that has TPP consents

2. Assigning that role to your applicable NatWest users

Creating a role with TPP permissions

1. From the Administration menu select 'Manage Roles' then choose the role you want to assign the privileges to or create a new role.

2. This opens the Edit role page. You can use the drop-down menu to display privileges by category. The new TPP privilege categories are 'Third Party Provider consents' and 'Third Party Provider payments'.

3. You’ll see a message and an unticked checkbox. You’ll need to acknowledge that you understand the consequences of assigning privileges in this category.

4. Once you’ve selected the appropriate privileges and ticked the checkbox, select 'Save' and go to save changes and go to the next step.

5. The 'Continue' button will take you to the Assign accounts page. At this stage, you’ll choose the bank accounts that this role will work with.

6. Once you have selected the bank account these Third-Party Payment Permissions (TPP) will work with, click 'Save' if it is an existing role or 'Create new role'

How to assign the new role to current users

Please note: Only the NatWest account owner can confirm and approve the new role being assigned

1. Navigate to the Administration tab on the left hand side of the page and then select 'Manage users'

2. Select the user/s you wish to assign this new role to

3. Scroll to the bottom of the user's profile to the Edit roles section

4. Select the new role that you created and click 'Continue'

5. The new role will be assigned to the user and the account owner will need to approve this change.

6. Once the account owner has approved the new role and the assignment of that role, you are ready to process your pay run!

Additional information & Troubleshooting

Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
You have not granted Crezco TPP (Third-Party Provider Permissions) access, please refer to your account manager or NatWest Bankline help centre
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online. See additional info here.

After submitting a NatWest pay run, customers can check to see if the payment has been authorised using the following steps:

1. Log into your NatWest account
2. Navigate to the Payments section drop down
3. Select the Approve payments section
4. If the pay run as been approved, user will not see the bills in this tab
5. If user sees the pay run all they have to do is approve the pay run they submitted

Future dated payments

Scheduling the payment
NatWest accepts future-dated payments at the time you set them up and holds them until the scheduled execution date.
On the day of execution
- NatWest checks your account to ensure sufficient funds are available.
- If enough funds are in the account at any point during the day, the payment will go through.
- If there aren’t enough funds, the payment will be rejected due to insufficient funds.
Using an overdraft facility
If your account has an active overdraft facility with available funds, NatWest treats this as sufficient balance. This means that even if your account shows £0, the payment will still be processed successfully, provided the overdraft covers the amount.

✅ Tip: To avoid delays or rejections, always make sure your account has either a balance or an active overdraft facility in place on the scheduled payment date.

Cancel a future dated payment

If a payment is showing as ‘Awaiting second authorisation’, ‘Awaiting release’, or ‘Future dated’, it must first be cleared by a payment authoriser. The authoriser will need to select ‘Clear authorisation’ before the payment can be cancelled.

⚠️ Please note:

Payments can be cancelled up until the day before the scheduled credit date.
Once a payment has the status ‘Processing’, it can no longer be cancelled.

How to Cancel a Payment

If you have the right user permissions in NatWest online banking, here’s how to cancel payments with the above statuses:

Go to your Payment summary.
Locate the payment:
- To cancel multiple payments, tick the boxes on the left-hand side of the list.
- To cancel a single payment, select the payment reference to view its full details.
Look for the ‘Cancel’ option at the bottom of the page or list.
Select ‘Cancel’ and follow the on-screen steps to complete the process.
- Depending on the payment’s status, you may be asked to authorise the cancellation using your smartcard and reader.

Need Help?

If you encounter any issues when attempting to cancel a payment, please contact NatWest directly. Unfortunately, Crezco is not able to cancel payments on a customer’s behalf.

RBS Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - 50
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - up to 120 days
Bulk future dated payments - up to 120 days
Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

Only trusted beneficiaries. To add a new payee/trusted beneficiary, please refer your RBS's help centre

Additional information & Troubleshooting

Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
All the contacts in the pay run have not been added as trusted beneficiaries in your RBS account
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online.

Future dated payments

Scheduling the payment
NatWest accepts future-dated payments at the time you set them up and holds them until the scheduled execution date.
On the day of execution
- NatWest checks your account to ensure sufficient funds are available.
- If enough funds are in the account at any point during the day, the payment will go through.
- If there aren’t enough funds, the payment will be rejected due to insufficient funds.
Using an overdraft facility
If your account has an active overdraft facility with available funds, NatWest treats this as sufficient balance. This means that even if your account shows £0, the payment will still be processed successfully, provided the overdraft covers the amount.

✅ Tip: To avoid delays or rejections, always make sure your account has either a balance or an active overdraft facility in place on the scheduled payment date.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

RBS Bankline

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitation or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - 3000
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - up to 120 days
Bulk future dated payments - up to 120 days
Please note that you are subject to your daily transaction limit

- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

Additional information & Troubleshooting

Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Customer tried to verify the payment on their mobile banking app rather on a desktop or laptop

Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online.

Setting up your account to make payments

Please note: There are two main steps in ensuring that your RBS users have correct Third-Party Payments Permissions (TPP).

1. Make sure there is an existing role that has TPP consents - Click here for guide

2. Assigning that role to your applicable RBS users

Creating a role with TPP permissions

1. From the Administration menu select 'Manage Roles' then choose the role you want to assign the privileges to or create a new role.

3. You’ll see a message and an unticked checkbox. You’ll need to acknowledge that you understand the consequences of assigning privileges in this category.

4. Once you’ve selected the appropriate privileges and ticked the checkbox, select 'Save' and go to save changes and go to the next step.

5. The 'Continue' button will take you to the Assign accounts page. At this stage, you’ll choose the bank accounts that this role will work with.

6. Once you have selected the bank account these Third-Party Payment Permissions (TPP) will work with, click 'Save' if it is an existing role or 'Create new role'

How to assign the new role to current users

Please note: Only the RBS account owner can confirm and approve the new role being assigned

1. Navigate to the Administration tab on the left hand side of the page and then select 'Manage users'

2. Select the user/s you wish to assign this new role to

3. Scroll to the bottom of the user's profile to the Edit roles section

4. Select the new role that you created and click 'Continue'

5. The new role will be assigned to the user and the account owner will need to approve this change.

6. Once the account owner has approved the new role and the assignment of that role, you are ready to process your pay run!

After submitting a RBS pay run, customers can check to see if the payment has been authorised using the following steps:

Future dated payments

Scheduling the payment
NatWest accepts future-dated payments at the time you set them up and holds them until the scheduled execution date.
On the day of execution
- NatWest checks your account to ensure sufficient funds are available.
- If enough funds are in the account at any point during the day, the payment will go through.
- If there aren’t enough funds, the payment will be rejected due to insufficient funds.
Using an overdraft facility
If your account has an active overdraft facility with available funds, NatWest treats this as sufficient balance. This means that even if your account shows £0, the payment will still be processed successfully, provided the overdraft covers the amount.

✅ Tip: To avoid delays or rejections, always make sure your account has either a balance or an active overdraft facility in place on the scheduled payment date.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Revolut Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitation or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - 1000
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - No limit for the scheduling date
Bulk future dated payments - No limit for the scheduling date
If you are not sure on the amount, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at Revolut

Payee names must be more than one word. If paying a business whose account name is just one word, you can add LTD at the end.
Revolut bank account owner is able to approve single and bulk payments, and can also enable other users to be able to approve payments by updating the user permissions under Transfers > Send Money

Additional information & Troubleshooting

Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
User tried to verify the pay run has not been enabled with the correct permissions by the account owner
Payee name was not more than one word. They must be more than one word. If you're paying a business whose account name is just one word, you can add LTD at the end

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Santander Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - 3500
Minimum payment total - £0.01
Maximum payment total - £250,000
Single future dated payments - up to 395 days
Bulk future dated payments - up to 395 days
Only trusted beneficiaries. To add a new payee/trusted beneficiary, please refer to this page or please speak to your bank’s support team.
Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

Additional information & Troubleshooting

Pay run is over your daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that bulk payments will always show up in Santander bank statements as one line item. This is regardless of whether group payables was ticked or not, and whether it was same payee or not.
- The reference on the single bank line item will be randomly filled in by Santander
There can be no white space at the end of a reference for Santander payments.
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
All the contacts in the pay run have not been added as trusted beneficiaries in their Santander account
If any of the minimums were not met, the system should not have created a bulk pay run
If any of the maximums were hit, the system should have automatically created another bulk in the bulk pay run

Future dated payment

Authorisation
Payments can be authorised and accepted at the time of setup, even if there are insufficient funds in the account at that moment.
On the day of execution
- If sufficient funds (including any overdraft facility) are available, the payment will be processed.
- If there are insufficient funds, the payment will be declined.
- Payments are not retried automatically.
Using an overdraft facility
When future payments are set up, Santander does not check funds availability. On the execution date, overdraft limits are taken into account. If the available balance (including overdraft) is enough to cover the payment, the payment will be processed successfully.

✅ Tip: Always ensure your account balance (or overdraft coverage) is sufficient on the execution date, as declined payments will not be retried automatically.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Starling

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that you are subject to your daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Tide

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that you are subject to your daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

TSB

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitation or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Please note that you are subject to your daily transaction limit

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Ulster Business

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Only trusted beneficiaries. To add a new payee/trusted beneficiary, please try add via online portal or please speak to your bank’s support team. Please make sure to do this before you try and process a pay run with new payees.
Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

Additional information & Troubleshooting

Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online.

Future dated payments

Scheduling the payment
NatWest accepts future-dated payments at the time you set them up and holds them until the scheduled execution date.
On the day of execution
- NatWest checks your account to ensure sufficient funds are available.
- If enough funds are in the account at any point during the day, the payment will go through.
- If there aren’t enough funds, the payment will be rejected due to insufficient funds.
Using an overdraft facility
If your account has an active overdraft facility with available funds, NatWest treats this as sufficient balance. This means that even if your account shows £0, the payment will still be processed successfully, provided the overdraft covers the amount.

✅ Tip: To avoid delays or rejections, always make sure your account has either a balance or an active overdraft facility in place on the scheduled payment date.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Ulster Bankline

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a

Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

You will need to switch on 3rd Party Permissions (TPP) - please refer to this guide to enable this.

Additional information & Troubleshooting

Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Please note that you are not able to verify the bulk payment on your mobile banking app and should rather verify the bulk payment on a desktop or laptop
Some customers may be asked to use a card reader to authorise a login and/or payment. Typically, at the point of login, the bank will ask the customer to insert their card and PIN into the card reader that they have sent the customer. The reader generates a unique security code that they will then need to type in online.

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

VirginMoney

Payment types supported

Single payment: ✅
Bulk payment: ✅
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count per bulk - 750
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - not supported
Bulk future dated payments - not supported
Daily transaction limit is typically £30,000
Please note that you are subject to your daily transaction limit
- If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
- If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank

TPP access is required in order to make payments using open banking

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Cancel a future dated payment

Please reach out to your bank for assistance as we are not able to process requests to cancel payments.

Wise

Payment types supported

Single payment: ✅
Bulk payment: ❌
Faster payments: ✅
Chaining: ✅

Bank limitation or bulk payment parameters

Currency - GBP
Minimum payment count - n/a
Maximum payment count - n/a
Minimum payment total - n/a
Maximum payment total - n/a
Single future dated payments - n/a
Bulk future dated payments - n/a
Please note that you are subject to your daily transaction limit
Only the Wise bank account owner is able to approve payments

Additional information & Troubleshooting

If you are not sure on the daily transaction limit, please make sure to reach out to your account manager or look online
If you want to try and increase the daily limit, you will need to reach out to your account manager at your bank
Avoid using special characters (i.e '#' or '[ ]' ) In contact names and payment references
Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)

Yorkshire Bank

Payment types supported

Single payment: ✅
Bulk payments: ❌
Faster payments: ✅

Bank limitations or bulk payment parameters

Currency - GBP
Minimum payment count - 1
Maximum payment count - n/a
Minimum payment total - £0.01
Maximum payment total - n/a
Single future dated payments - n/a
Please note that you are subject to your daily transaction limit

Additional information & Troubleshooting

Pay run is over their daily transaction limit
Contact in pay run doesn’t have correct bank account information (account number, account name, sort code)
Special characters in the reference (only dashes are allowed “ - “)
Reminder - Yorkshire currently does not support bulk pay run through open banking yet. Customer will have to pay bills one by one using Crezco’s “chaining” feature