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Can I choose whether an electronic payment goes via the Faster Payments Service (FPS) or Bacs?

No.

Once an electronic payment is entered into our system, it will automatically check whether it can be sent via FPS. All payments will be sent via FPS unless:

  • The other bank is not a FPS member
  • The amount of the payment is above the FPS limit.
  • The sort code has not been enabled by the beneficiary bank to receive FPS payments.

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