I'm a Tide member. How do I know whether I have a PPS or a ClearBank account?

There are 3 ways in which Tide members can identify if they have a PPS or ClearBank account:

• Faster Payments These are generally processed immediately and the money will arrive in your account within minutes. Some banks can take up to two hours to process Faster Payments so they might take longer to arrive.

• Bacs If you’re expecting a Bacs transfer, it will take up to three days for the money to arrive in your account.

• CHAPS CHAPS stands for Clearing House Automated Payment System. These payments are usually for high-value transactions like buying a property or car. When we receive a CHAPS payment before 3pm, it will arrive in your account on the same working day between 4:10pm and 7:10pm.

1. Sort Codes: If the sort code is 04-06-05 – the account is with ClearBank, if the sort code is 23-69-72 – it is with PPS

2. Statements: The footer of members’ statements will give details of the account provider and terms

3. By requesting an Account Verification Letter (AVL) from Tide

Any CHAPS payments received after 3pm will arrive in your account after 4.10pm on the next working day.

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