Payment Services

Access Capitol Bank accepts deposits and makes payments in line with the Payment Services Directive issued by the European Commission.

Payments and Transfers

Access Capitol Bank clients are able to transfer money to non Access Capitol Bank accounts in Sterling or Euros. A payment or transfer from a Access Capitol Bank account to any recipient within the European Economic Area, will be credited the next business day.

We also offer CHAPS and SWIFT payments for same day transfers.

Our payment and deposit cut-off times are detailed below.  These times represent the end of a ‘business day’ and payments made before this will arrive a) within the same day for CHAPS and SWIFT or b) the next business day for all other payments. In the case of next business day payments, the funds will also not be debited from a client’s account until this next business day.

2:00pm
- SWIFT Euro transfer

2:30pm
- Telephone Banking transfer / payment / standing order
- Payment instruction sent by Fax
- CHAPS Sterling payment
- SWIFT US Dollar payment

3:00pm
- RBS counter deposit

 4:00pm
- Internet Banking transfer / payment / standing order

Declined Payments

Access Capitol Bank clients will also be contacted if a deposit or payment instruction has not been accepted; Access Capitol Bank will contact clients by the end of the following Business Day unless the law prohibits us from doing so.

VISA Debit Card Holders

Access Capitol Bank clients with VISA Deferred-Debit cards can contact us to cancel a recurring debit card payment; clients must notify us before the end of the Business Day before the next payment is due.

Full details of all items relating to our payment services can be found in our account Terms and Conditions and the Guide to Operating Your Account.

Personal Terms and Conditions

Non-Personal Term and Conditions

Account Terms and Conditions

Guide to Operating Your Account