TSB Bank large transfers and transfer limits

Need to send a large payment? Perhaps you’re buying a home or a new car, paying your builder or moving investment returns between accounts.

Moving mountains of money shouldn't feel like a mountain of work, you’ll need to know how to transfer large sums securely and conveniently in the UK - without racking up huge fees. In this helpful guide, we’ll walk you through how to transfer large amounts of money with TSB Bank. This includes info on fees and limits, as well as security and how long it takes.

If you’re looking for a reliable and cost-effective way to transfer large sums internationally, consider the money services provider Wise. Over 14.8 million people worldwide use Wise to send, spend and convert money in 40+ currencies.

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Table of contents

Can you send large transfers with TSB Bank? TSB transfer limits What’s the maximum amount you can send with TSB? Can you send multiple large transfers per day? How to transfer large amounts with TSB: Step-by-step process Is TSB safe for large transfers? How long do large transfers take with TSB? TSB large amount transfer fees and costs Wise – A low-cost alternative for international transfers Key takeaways

Can you send large transfers with TSB Bank?

Yes, TSB lets you transfer large amounts using your personal current account. You can do it online, via mobile banking, over the phone and in a local branch.

There are a few different options available, starting with Faster Payments. This is what most UK banks use to make near-instant payments between UK accounts.

With TSB, you can send immediate payments of up to £25,000 online or via mobile banking, up to £10,000 by phone or up to £100,000 in a TSB branch (just remember to take photo ID with you).¹

Need to send more? For larger payments, you can use CHAPS. This stands for Clearing House Automated Payment System, and it’s specially designed for making fast, secure large transfers. It doesn’t usually have any minimum or maximum limits on how much you can send.

Like with other UK banks, TSB charges a fee for CHAPS payments, and this type of payment can only be set up in branch.¹

You can also send international payments of up to £75,000 per day with TSB,¹ but this may involve money transfer fees.

TSB transfer limits

Here’s an at‑a‑glance summary of TSB transfer limits for Faster Payments, CHAPS and international transfers:¹

Transfer method	TSB transfer limit
Internal transfers (between TSB accounts)	£1,000,000 per transfer
Faster Payments	- Up to £10,000 per day by phone - Up to £25,000 per day online - Up to £100,000 per day in branch
CHAPS payment	No minimum or maximum limit
International payments	Up to £75,000 per day

It’s unlikely that you’ll be able to increase these limits, but you can try visiting a TSB branch in person to discuss options and limits - a staff member will help you choose the most appropriate method for your payment and guide you through the process.

📚 Read more: The best UK banks for sending money abroad

What’s the maximum amount you can send with TSB?

The maximum you can send with TSB to another UK account is £100,000 per day,¹ if you visit a branch with a valid photo ID.

If you need to send more than this, you can use CHAPS for an extra fee.

If you’re sending money overseas, the maximum you can transfer is £75,000 per day.¹

Can you send multiple large transfers per day?

You can send multiple large payments per day with TSB, but you won’t be able to exceed your daily sending limit.

How to transfer large amounts with TSB: Step-by-step process

If you already have an account with TSB, it’s pretty straightforward to set up your first transfer - even if it is a large sum you’re sending.

To send a large payment with TSB using Faster Payments, the easiest option is to use online or mobile banking.

Here are the recipient details and other info you’ll need to have ready:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)

You’ll need additional details if you’re sending money abroad:

• The name, account number and address of the person or company you’re paying
• The recipient’s International Bank Account Number (IBAN)
• The SWIFT/BIC code for their bank

To set up your transfer, follow these steps:

1. Sign in to online or mobile banking
2. Select ‘Make a payment’ - or ‘Move money’ if using the TSB app
3. Choose a recipient or add the details of a new one - this may involve additional verification steps
4. Enter the amount you want to send
5. Add a reference (optional)
6. Complete the security verification steps - this may be a phone call where you need to enter an on-screen code into your phone
7. Check the details and confirm.

To send money abroad, you’ll follow the steps above, but you’ll also need to select the country you’re sending to and the currency. You can send international payments via the TSB mobile app, but there are fewer currencies available compared to using online banking, phone or in-branch services.

If you prefer, you can also visit a branch of TSB in person to send your payment. This can be best for sending payments above your daily online sending limit, or for setting up a CHAPS payment.

Just remember that you’ll need to take ID documents along with you, and that there may be additional fees for in-branch services (such as for sending a CHAPS payment, for example).

➡️ Learn more about the Wise account

Is TSB safe for large transfers?

TSB is a fully licensed UK bank and is strictly regulated.

In order to be compliant, TSB and other licensed UK banks are required to use sophisticated security measures to protect customers’ data, money, accounts and transfers.

At TSB, this includes protections such as:

• 24/7 account monitoring and fraud detection systems
• Disabling accounts unused for more than 12 months
• Automatic logoff on online banking after 5 minutes of inactivity
• Strong Customer Authentication to safeguard your account (i.e. texting you a passcode when you login to online banking)
• Data encryption
• Device profiling, where a record is kept of the devices you use - and new ones are flagged up
• Biometric authentication to login to the TSB app.

How long do large transfers take with TSB?

Here’s a quick look at average transfer times with TSB:

Sending method	Cut-off time	Transfer arrives
Faster Payments¹	N/A	Up to 2 hours, often instantly
CHAPS payments¹	- Before 4.40pm on a working day	- Same day - Next working day
International payments²	- Before 4.30pm on a working day	- Same day - Next working day - Up to 4 working days for some destinations

For international payments, the timescales given above cover when your payment will be sent. However, it can take up to 4 working days (or longer for certain countries and currencies) to actually arrive in your recipient’s account.²

TSB large amount transfer fees and costs

So, how much do TSB large transfers cost? Here are the main fees and charges you need to know about:

Payment type	Transfer fee
Faster Payments and internal transfers (between TSB accounts)	Free
CHAPS¹	£30 per payment
International payment - via online or mobile banking²	- Free in euros to EEA country - £10 for all other payments up to £5,000 - £17.50 for all other payments over £5,000 + correspondent bank fee of £6 (for payments outside the EEA, Switzerland and Monaco)
International payment - via phone or branch banking²	- Free in euros to EEA country - £20 for all other payments + correspondent bank fee of £6 (for payments outside the EEA, Switzerland and Monaco)

When sending an international transfer with TSB, you’ll also need to check the exchange rate - as well as the upfront fee.

TSB uses its own standard exchange rate for converting currency, and this will include an FX margin. This varies depending on the currency, and ranges from 3.2% to 3.65%.³ You can learn more in the TSB FX international payment margins.

Wise – A low-cost alternative for international transfers

Looking for a secure, convenient and low-cost way to send large sums of money internationally? Take a look at the Wise account from the money services provider Wise. It's not a bank account but offers some similar features and your money is safeguarded.

With Wise, you can send large amount transfers worldwide to 140+ countries in 40+ currencies for low, transparent fees and mid-market exchange rates with no markup.

Here’s an overview of the main benefits of using Wise:

Fast and easy setup with no physical paperwork Low, transparent fees and no-markup mid-market exchange rates 24/7 Dedicated support and volume discounts for large transfers No monthly/annual account fees Sophisticated security and anti-fraud measures, with your money safeguarded Trackable and fast transfers to 140+ countries Low-cost spending in 150+ countries with the Wise card Earn a variable return on your GBP, USD and EUR with Wise Interest (capital at risk, growth not guaranteed)**

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**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

Key takeaways

• TSB allows daily Faster Payments of up to £25,000 online and £100,000 in-branch, while internal transfers between TSB accounts can reach £1,000,000.
• For payments exceeding standard limits, customers can use CHAPS in-branch, which has no maximum limit but incurs a £30 fee.
• You can send up to £75,000 per day internationally, with fees ranging from £0 (EUR to EEA) up to £20 depending on the amount and banking channel used.
• Faster Payments are usually near-instant, whereas CHAPS and international payments typically process the same or next working day if submitted before 4:30pm
• TSB international transfers include a currency exchange markup ranging from 3.2% to 3.65% on top of the mid-market rate

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Sources used:

1. TSB - Ways to Pay
2. TSB - International Payments
3. TSB - Help and Support - Foreign Exchange (FX) International Payment Margins

Sources last checked on date: 08-Jan-2026